301 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 301 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 872 sqft · built 1964
Lot Size	0.17 acres (7,425 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jul 2024)
Tax Bill	$3,096 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-176-012`

Property Details

APN / Parcel Number

Primary APN	`8913-27-176-012`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	872 sqft Living Area
1st Floor Area	872 sqft
Basement Area	872 sqft
Finished Basement	600 sqft
Unfinished Basement	872 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,425 sqft (0.17 acres)
Lot Dimensions	135 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	301 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-2430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOBLE HADLEY ADDITION LOT 12
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	NOBLE HADLEY ADDITION
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	1502

Owner

301 Downing Ave is owned and occupied by two individuals who bought it in July 2024.

Source: Black Hawk County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	301 DOWNING AVE, WATERLOO, IA 50701-2430
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
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jul 17, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on File
Deed Sale	Jul 17, 2024 · Amount on File
Prior Sale	Jul 17, 2023 · Amount on File
Deed Document Number	2024708
Prior Transfer Date	Jan 11, 2006
Prior Transfer Doc	2006019065
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	301 DOWNING AVE, WATERLOO, IA 50701-2430
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	MIDWEST CMNTY TITLE, MIDWEST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013369
Date	Jan 24, 2017
Instrument	2017-00013369

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2032

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 17, 2023
Property Address	301 DOWNING AVE, WATERLOO, IA 50701-2430
Document Number	202400000708
Instrument Date	Jul 14, 2023
Instrument	202400000708
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
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	301 DOWNING AVE, WATERLOO, IA 50701-2430

Mortgage

Document Number	202400000709
Date	Jul 17, 2023
Instrument	202400000709

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Aug 1, 2033
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	1-Year T-Bill
Max Rate	13.3%

Tax Assessment & Valuation

The 2025 property tax bill for 301 Downing Ave was $3,096, up 6.5% 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	$3,096.00 (+6.46%)	$162,550 Land $17,700 Building $144,850	$162,550 Land $17,700 Building $144,850
2024	$2,908.00
2023		$113,070 (+26.59%) Land $17,700 Building $95,370	$113,070 Land $17,700 Building $95,370
2022	$1,962.00	$89,320 Land $17,700 Building $71,620
2021			$89,320 Land $17,700 Building $71,620

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

Flood

FEMA maps place 301 Downing Ave in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 301 Downing 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	0.02% 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 231 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, T-Mobile, Waterloo Fiber.

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