2806 Falls Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 2806 Falls Ave, Waterloo, IA 50701

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,372 sqft · built 1957
Lot Size	0.183 acres (7,950 sqft)
Owner	Company Name on File
Tax Bill	$4,046 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-21-454-017`

Property Details

APN / Parcel Number

Primary APN	`8913-21-454-017`

Interior

Stories	1 Story
Building Area	2,372 sqft Gross Area
1st Floor Area	2,372 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Concrete Block
Construction Type	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Urethane Foam
Lot Area	7,950 sqft (0.183 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2806 FALLS AVE
City	WATERLOO
State	IA
Zip	50701-5726
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	KREBS ADDITION LOT 17 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	21
Legal Subdivision	KREBS ADDITION
Legal Block	5
Legal Lot Number	17
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1503

Owner

2806 Falls Ave, a commercial property, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	110 SUNSET RD, WATERLOO, IA 50701-3922
Owner Type	Company
Vesting	Company

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
Jan 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage LOWA STATE BANK
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2806 FALLS AVE, WATERLOO, IA 50701-5726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013268
Date	Jan 23, 2017
Instrument	2017-00013268

Lender

Name	LOWA STATE BANK
Address	PARKERSBURG, IA 50665

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2806 FALLS AVE, WATERLOO, IA 50701-5726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100011455
Date	Nov 30, 2020
Instrument	202100011455

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2806 Falls Ave was $4,046, down 1.5% 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	$4,046.00 (-1.46%)	$123,730 Land $39,750 Building $83,980	$123,730 Land $39,750 Building $83,980
2024	$4,106.00
2023		$123,730 (+41.08%) Land $39,750 Building $83,980	$123,730 Land $39,750 Building $83,980
2022	$2,496.00	$87,700 Land $23,850 Building $63,850
2021			$87,700 Land $23,850 Building $63,850

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

Flood

FEMA maps place 2806 Falls Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2806 Falls 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.

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 407 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
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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