2109 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2109 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 912 sqft · built 1962
Lot Size	0.2 acres (8,704 sqft)
Owner	Individual Name on File
Last Sale	$139,000 (Dec 2017)
Tax Bill	$2,764 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-151-007`

Property Details

APN / Parcel Number

Primary APN	`8913-28-151-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	360 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,704 sqft (0.2 acres)
Lot Dimensions	136 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	116 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2109 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOWNING HEIGHTS ADDITION LOT 7
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	DOWNING HEIGHTS ADDITION
Legal Lot Number	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	1502

Owner

2109 Downing Ave is owned and occupied by an individual who bought it in December 2017.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	2109 DOWNING AVE, WATERLOO, IA 50701-6037
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Aug 25, 2017	Special Warranty Deed, Transfer STATE BANK
May 10, 2017	Special Warranty Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2017 · Amount on File
Deed Sale	Dec 12, 2017 · Amount on File
Prior Sale	Sep 1, 2016 · Amount on File
Deed Document Number	20172018-00010113
Prior Transfer Date	May 19, 2006
Prior Transfer Doc	2006027929
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 12, 2017
Property Address	2109 DOWNING AVE, WATERLOO, IA 50701-6037
Document Number	201800010113
Instrument Date	Oct 31, 2017
Instrument	2018-00010113
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 DOWNING AVE, WATERLOO, IA 50701-6037

Mortgage

Document Number	201800010114
Date	Dec 12, 2017
Instrument	2018-00010114

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 25, 2017
Property Address	2109 DOWNING AVE, WATERLOO, IA 50701-6037
Document Number	201800003487
Instrument Date	Aug 21, 2017
Instrument	2018-00003487
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3614 MEMORY LN, WATERLOO, IA 50701-9359

Mortgage

Document Number	201800003488
Date	Aug 25, 2017
Instrument	2018-00003488

Lender

Name	STATE BANK
Type	Bank
Address	NEW HAMPTON, IA 50659

Agreement

Amount	Amount on Record

May 2017: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 10, 2017
Property Address	2109 DOWNING AVE, WATERLOO, IA 50701-6037
Document Number	201700019604
Instrument Date	Sep 14, 2016
Instrument	2017-00019604
Transaction Type	Foreclosure
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST, OKLAHOMA CITY, OK 73107-2442
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Downing Ave was $2,764 with a homeowner's exemption, up 5.5% from the year before.

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,764.00 (+5.5%) Homeowner's exemption	$146,340 Land $20,590 Building $125,750	$146,340 Land $20,590 Building $125,750
2024	$2,620.00
2023		$130,970 (+18.88%) Land $20,590 Building $110,380	$130,970 Land $20,590 Building $110,380
2022	$2,224.00 Homeowner's exemption	$110,170 Land $20,590 Building $89,580
2021			$110,170 Land $20,590 Building $89,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2109 Downing Ave in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2109 Downing Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile, Verizon.

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