2205 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2205 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 936 sqft · built 1963
Lot Size	0.219 acres (9,520 sqft)
Owner	Individual Name on File
Tax Bill	$3,186 (2025)
Deeds & Mortgages	Mar 2024 Sale Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-28-151-003`

Property Details

APN / Parcel Number

Primary APN	`8913-28-151-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	300 sqft
Unfinished Basement	936 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,520 sqft (0.219 acres)
Lot Dimensions	136 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Deck Area	648 sqft
Patio Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2205 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-6039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOWNING HEIGHTS ADDITION LOT 11
Legal Range	13W
Legal Township	89N
Legal Section	28
Legal Subdivision	DOWNING HEIGHTS ADDITION
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2019
Census Tract	1502

Owner

2205 Downing Ave is owned and occupied by an individual who acquired it in March 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039
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
Mar 15, 2024	Warranty Deed, Transfer TITLE SERVICES CORPORATION
Mar 15, 2024	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage GREENSTATE CU
Mar 15, 2024	Warranty Deed, Transfer · Line of Credit GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 14, 2024
Transfer Doc	0000011224
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 15, 2024
Property Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039
Document Number	202400011272
Instrument Date	Mar 11, 2024
Instrument	202400011272
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Tax	$3.35
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039

March 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 15, 2024
Property Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039
Document Number	202400011224
Instrument Date	Mar 1, 2024
Instrument	202400011224
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039

Mortgage

Document Number	202400011226
Date	Mar 15, 2024
Instrument	202400011226

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 15, 2024
Property Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039
Document Number	202400011225
Instrument Date	Mar 1, 2024
Instrument	202400011225
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 DOWNING AVE, WATERLOO, IA 50701-6039

Mortgage

Document Number	202400011227
Date	Mar 15, 2024
Instrument	202400011227

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2205 Downing Ave was $3,186 with a homeowner's exemption, up 7.2% 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	$3,186.00 (+7.2%) Homeowner's exemption	$166,970 Land $22,520 Building $144,450	$166,970 Land $22,520 Building $144,450
2024	$2,972.00
2023		$147,210 (+18.69%) Land $22,520 Building $124,690	$147,210 Land $22,520 Building $124,690
2022	$2,374.00 Homeowner's exemption	$124,030 Land $22,520 Building $101,510
2021			$124,030 Land $22,520 Building $101,510

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

Flood

FEMA maps place 2205 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 2205 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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