Black Hawk County property record for 228 Prospect Ave, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,106 sqft · built 1922 |
| Lot Size | 0.212 acres (9,240 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,990 (2025) |
| Deeds & Mortgages | May 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-19-379-002 |
| Primary APN | 8912-19-379-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,106 sqft Living Area |
| 1st Floor Area | 868 sqft |
| Basement Area | 1,048 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,240 sqft (0.212 acres) |
| Lot Dimensions | 140 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 122 sqft |
| Patio Area | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 228 PROSPECT AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND 2ND FILING WLOO W 16 FT LOT 7 BLK 7 LOT 8 BLK 7 |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 19 |
| Legal Subdivision | HIGHLAND |
| Legal Block | 7 |
| Legal Lot Number | 7,8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 1900 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Highland Historic District listed 1984 · 223 contributing resources · NRIS 84001209 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
228 Prospect 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 | 228 PROSPECT AVE, WATERLOO, IA 50703-4244 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 2, 2022 |
| Property Address | 228 PROSPECT AVE, WATERLOO, IA 50703-4244 |
| Document Number | 202200021085 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 202200021085 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 PROSPECT AVE, WATERLOO, IA 50703-4244 |
The 2025 property tax bill for 228 Prospect Ave was $2,990 with a homeowner's exemption, down 8.6% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,990.00 (-8.56%) Homeowner's exemption | $180,930 Land $19,800 Building $161,130 | $180,930 Land $19,800 Building $161,130 |
| 2024 | $3,270.00 | ||
| 2023 | $183,140 (+34.92%) Land $19,800 Building $163,340 | $183,140 Land $19,800 Building $163,340 | |
| 2022 | $2,712.00 Homeowner's exemption | $135,740 Land $19,800 Building $115,940 | |
| 2021 | $135,740 Land $19,800 Building $115,940 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 228 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 | 5 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | Jul 2010 · Severe Storms, Flooding, And Tornadoes |
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.
The area around 228 Prospect Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink, Waterloo Fiber.
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