315 Byron Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 315 Byron Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,216 sqft · built 1950
Lot Size	0.146 acres (6,372 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Apr 2018)
Tax Bill	$2,948 (2025)
Deeds & Mortgages	Jan 2021 Second Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-112-005`

Property Details

APN / Parcel Number

Primary APN	`8913-35-112-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	1,216 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,372 sqft (0.146 acres)
Lot Dimensions	54 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	315 BYRON AVE
City	WATERLOO
State	IA
Zip	50702-3705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMUCKER AND BURDS ADDITION LOT 20
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	SMUCKER AND BURDS ADDITION
Legal Lot Number	20
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1024
Census Tract	1100

Owner

315 Byron Ave is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	315 BYRON AVE, WATERLOO, IA 50702-3705
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 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Apr 20, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Apr 20, 2018	Warranty Deed, Transfer UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2018 · Amount on File
Deed Sale	Apr 20, 2018 · Amount on File
Deed Document Number	201817085
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 BYRON AVE, WATERLOO, IA 50702-3705
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014203
Date	Jan 6, 2021
Instrument	202100014203

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 5, 2031

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 BYRON AVE, WATERLOO, IA 50702-3705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800017086
Date	Apr 20, 2018
Instrument	201800017086

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 BYRON AVE, WATERLOO, IA 50702-3705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100014202
Date	Jan 6, 2021
Instrument	202100014202

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 20, 2018
Property Address	315 BYRON AVE, WATERLOO, IA 50702-3705
Document Number	201800017085
Instrument Date	Apr 18, 2018
Instrument	201800017085
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 BYRON AVE, WATERLOO, IA 50702-3705

Mortgage

Document Number	201800017087
Date	Apr 20, 2018
Instrument	201800017087

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 315 Byron Ave was $2,948 with a homeowner's exemption, up 2.3% 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	$2,948.00 (+2.29%) Homeowner's exemption	$155,380 Land $19,670 Building $135,710	$155,380 Land $19,670 Building $135,710
2024	$2,882.00
2023		$143,040 (+24.1%) Land $19,670 Building $123,370	$143,040 Land $19,670 Building $123,370
2022	$2,336.00 Homeowner's exemption	$115,260 Land $19,670 Building $95,590
2021			$115,260 Land $19,670 Building $95,590

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

Flood

FEMA maps place 315 Byron Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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

The area around 315 Byron 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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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