2970 Independence Ave, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 2970 Independence Ave, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,497 sqft · built 1939
Lot Size	3.43 acres (149,410 sqft)
Owner	Individual Name on Record
Tax Bill	$2,844 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-29-226-037`

Property Details

APN / Parcel Number

Primary APN	`8912-29-226-037`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,497 sqft Living Area
1st Floor Area	862 sqft
Attic	Attic
Attic Area	474 sqft
Basement Area	862 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	149,410 sqft (3.43 acres)
Porch	Slab
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2970 INDEPENDENCE AVE
City	EVANSDALE
State	IA
Zip	50707-2632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WATERLOO EAST E 220 FT N 990 FT NE NE EXC HWY SEC 29 T 89 R 12 EXC S 272 FT OF N 330 FT OF W 90.94 FT OF E 220 FT
Legal Range	12W
Legal Township	89N
Legal Section	29
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3002
Census Tract	800

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2970 INDEPENDENCE AVE, EVANSDALE, IA 50707-2632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Oct 15, 2018	Deed of Trust, Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 25, 2013
Transfer Doc	2014007465
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 3, 2026
Property Address	2970 INDEPENDENCE AVE, EVANSDALE, IA 50707-2632
Document Number	0000013373
Instrument Date	Aug 25, 2026
Instrument	202613373
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 INDEPENDENCE AVE, EVANSDALE, IA 50707-2632

Mortgage

Document Number	0000013373,
Date	Sep 3, 2026
Instrument	202613373

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2970 INDEPENDENCE AVE, WATERLOO, IA 50707-2632
Transaction Type	Mortgage
Record Updated	Nov 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006188
Date	Oct 15, 2018
Instrument	201900006188

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	111 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

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	$2,844.00 (+3.72%) Homeowner's exemption	$173,830 (+9.49%) Land $31,080 Building $142,750	$173,830 (+9.49%) Land $31,080 Building $142,750
2024	$2,742.00 (-13.28%)
2023		$158,760 (+1.59%) Land $31,080 Building $127,680	$158,760 (+1.59%) Land $31,080 Building $127,680
2022	$3,162.00 Homeowner's exemption	$156,270 Land $31,080 Building $125,190
2021			$156,270 Land $31,080 Building $125,190

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Metronet.

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