312 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 312 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,094 sqft · built 1948
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (Mar 2026)
Tax Bill	$2,792 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2020 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-304-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-304-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
1st Floor Area	810 sqft
Attic	Attic
Attic Area	284 sqft
Basement Area	810 sqft
Finished Basement	300 sqft
Unfinished Basement	810 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	140 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Deck Area	214 sqft
Patio Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	312 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIRST ADD TO M E GEORGE ADD LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FIRST ADD TO M E GEORGE ADD
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1010
Census Tract	1200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Nov 3, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Nov 25, 2015	Deed of Trust, Mortgage · Commercial Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Nov 25, 2015	Deed of Trust, Mortgage · Commercial Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Mar 12, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Feb 25, 2013	Warranty Deed, Transfer · FHA Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Prior Sale	Jul 1, 2021 · Amount on Record
Deed Document Number	20263201
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100009649
Date	Nov 3, 2020
Instrument	202100009649

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100009650
Date	Nov 3, 2020
Instrument	202100009650

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2035

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600009804
Date	Nov 25, 2015
Instrument	2016-00009804

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2045

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Nov 5, 2020
Change Frequency	5 Years
Min Rate At Change	4.87%
Max Rate At Change	60%
Index	1-Year CMT
Max Rate	10%

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600009805
Date	Nov 25, 2015
Instrument	2016-00009805

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 5, 2025

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 12, 2026
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Document Number	0202603201
Instrument Date	Mar 10, 2026
Instrument	2026-03201
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261.60
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	312 CORNWALL AVE, WATERLOO, IA 50702-3816

Mortgage

Document Number	0202603202
Date	Mar 12, 2026
Instrument	2026-03202

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 1, 2021
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Document Number	202200000019
Instrument Date	Jun 28, 2021
Instrument	202200000019
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$222.40
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	312 CORNWALL AVE, WATERLOO, IA 50702-3816

Mortgage

Document Number	202200000020
Date	Jul 1, 2021
Instrument	202200000020

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Mortgage

Document Number	202200000021
Date	Jul 1, 2021
Instrument	202200000021

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2031

February 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 25, 2013
Property Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816
Document Number	2013017771
Instrument Date	Feb 22, 2013
Instrument	2013-017771
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 CORNWALL AVE, WATERLOO, IA 50702-3816

Mortgage

Document Number	2013017772
Date	Feb 25, 2013
Instrument	2013017772

Lender

Name	BANKIOWA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2043

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	$2,792.00 (-7.43%) Homeowner's exemption	$147,690 (-1.03%) Land $19,600 Building $128,090	$147,690 (-1.03%) Land $19,600 Building $128,090
2024	$3,016.00 (+34.4%)
2023		$149,230 (+34.42%) Land $19,600 Building $129,630	$149,230 (+34.42%) Land $19,600 Building $129,630
2022	$2,244.00 Homeowner's exemption	$111,020 Land $19,600 Building $91,420
2021			$111,020 Land $19,600 Building $91,420

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	14 (1979–2018)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2018 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: AT&T, Nextlink, Verizon.

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