2272 Independence Ave, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 2272 Independence Ave, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,285 sqft · built 1948
Lot Size	0.659 acres (28,710 sqft)
Owner	Individual Name on File
Tax Bill	$2,356 (2025)
Deeds & Mortgages	May 2023 Line of Credit Aug 2021 Second Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`8912-29-126-007`

Property Details

APN / Parcel Number

Primary APN	`8912-29-126-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,285 sqft Living Area
1st Floor Area	886 sqft
Attic	Attic
Attic Area	399 sqft
Basement Area	886 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,710 sqft (0.659 acres)
Lot Dimensions	435 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	54 sqft
Shed	1 Shed
Shed Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2272 INDEPENDENCE AVE
City	EVANSDALE
State	IA
Zip	50707-2660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST E 1 A W 4 A NW NE NW EXC BEG AT NE COR SAID 1 A TH S A DIST OF 462.7 FT TO PT OF BEG TH S ALONG E LINE TO
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	800

Owner

2272 Independence Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	2272 INDEPENDENCE AVE, EVANSDALE, IA 50707-2660
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
May 16, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Aug 19, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jul 22, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2272 INDEPENDENCE AVE, WATERLOO, IA 50707-2660
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2272 INDEPENDENCE AVE, EVANSDALE, IA 50707-2660
Investor	Possibly a Property Investor

Mortgage

Document Number	202300015326
Date	May 16, 2023
Instrument	202300015326

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2272 INDEPENDENCE AVE, WATERLOO, IA 50707-2660
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2272 INDEPENDENCE AVE ACE, EVANSDALE, IA 50707-2660

Mortgage

Document Number	202200003837
Date	Aug 19, 2021
Instrument	202200003837

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2272 INDEPENDENCE AVE, WATERLOO, IA 50707-2660
Transaction Type	Mortgage
Record Updated	Jul 31, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100001777
Date	Jul 22, 2020
Instrument	202100001777

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 20, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 2272 Independence Ave was $2,356, down 13.9% 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	$2,356.00 (-13.89%)	$126,340 Land $16,900 Building $109,440	$126,340 Land $16,900 Building $109,440
2024	$2,736.00
2023		$126,150 (+27.46%) Land $16,900 Building $109,250	$126,150 Land $16,900 Building $109,250
2022	$2,174.00	$98,970 Land $16,900 Building $82,070
2021			$98,970 Land $16,900 Building $82,070

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

Flood

FEMA maps place 2272 Independence Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1993–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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 2272 Independence Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

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