311 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 311 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,231 sqft · built 1963
Lot Size	0.155 acres (6,750 sqft)
Owner	2 Individual Names on File
Last Sale	$91,500 (Apr 2010)
Tax Bill	$3,414 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-176-010`

Property Details

APN / Parcel Number

Primary APN	`8913-27-176-010`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,231 sqft Living Area
1st Floor Area	794 sqft
Attic	Attic
Attic Area	437 sqft
Basement Area	794 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	311 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-2430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOBLE HADLEY ADDITION LOT 10
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	NOBLE HADLEY ADDITION
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	1502

Owner

311 Downing Ave is owned and occupied by two individuals who bought it in April 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	311 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2010 · Amount on File
Deed Sale	Apr 21, 2010 · Amount on File
Deed Document Number	201019539
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	311 DOWNING AVE, WATERLOO, IA 50701-2430
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100017063
Date	Feb 12, 2021
Instrument	202100017063

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 311 Downing Ave was $3,414 with a homeowner's exemption, up 16% 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	$3,414.00 (+15.96%) Homeowner's exemption	$178,220 Land $16,090 Building $162,130	$178,220 Land $16,090 Building $162,130
2024	$2,944.00
2023		$145,940 (+29.53%) Land $16,090 Building $129,850	$145,940 Land $16,090 Building $129,850
2022	$2,280.00 Homeowner's exemption	$112,670 Land $16,090 Building $96,580
2021			$112,670 Land $16,090 Building $96,580

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

Flood

FEMA maps place 311 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 311 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.

Nearby Properties on Downing Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures