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321 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 321 Downing Ave, Waterloo, IA 50701

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 794 sqft · built 1963
Lot Size0.155 acres (6,750 sqft)
Owner2 Individual Names on File
Last Sale$103,000 (Aug 2021)
Tax Bill$2,340 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
May 2017 Transfer
Flood ZoneZone X (reduced by levee)
APN8913-27-176-008

Property Details

APN / Parcel Number

Primary APN8913-27-176-008

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area794 sqft Living Area
1st Floor Area794 sqft
Basement Area794 sqft
Finished Basement325 sqft
Unfinished Basement794 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area6,750 sqft (0.155 acres)
Lot Dimensions135 ft deep x 50 ft wide
Garage TypeDetached
Garage Area308 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address321 DOWNING AVE
CityWATERLOO
StateIA
Zip50701-2430
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNOBLE HADLEY ADDITION LOT 8
Legal Range13W
Legal Township89N
Legal Section27
Legal SubdivisionNOBLE HADLEY ADDITION
Legal Lot Number8
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2035
Census Tract1502

Owner

Source: Black Hawk County assessment roll, APN 8913-27-176-008, as of October 17, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address1606 BROOKSIDE DR, CEDAR FALLS, IA 50613-4998
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2021Warranty Deed, Transfer · Conventional Mortgage
FARMERS STATE BANK
May 10, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 12, 2021 · Amount on Record
Deed SaleAug 12, 2021 · Amount on Record
Prior SaleJan 04, 2011 · Amount on Record
Deed Document Number2021202200003266
Record UpdatedSep 20, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateAug 12, 2021
Property Address321 DOWNING AVE, WATERLOO, IA 50701-2430
Document Number202200003266
Instrument DateJul 30, 2021
Instrument202200003266
Transaction TypeTransfer
Record UpdatedAug 27, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$164.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 BROOKSIDE DR, CEDAR FALLS, IA 50613-4998

Mortgage

Document Number202200003267
DateAug 12, 2021
Instrument202200003267
Lender
NameFARMERS STATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2051

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBLACK HAWK IA
Recording DateMay 10, 2017
Property Address321 DOWNING AVE, WATERLOO, IA 50701-2430
Document Number201700019605
Instrument DateMay 03, 2017
Instrument2017-00019605
Transaction TypeTransfer
Record UpdatedFeb 10, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address726 NE 8TH ST, ANKENY, IA 50021-2004

Tax Assessment & Valuation

Source: Black Hawk County assessment roll as of October 17, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,340.00$130,560 (+21.09%) Land $16,090 Building $114,470$130,560 (+21.09%) Land $16,090 Building $114,470
2024$2,340.00 (+25.67%)
2023$107,820 (+27.15%) Land $16,090 Building $91,730$107,820 (+27.15%) Land $16,090 Building $91,730
2022$1,862.00$84,800 Land $16,090 Building $68,710
2021$84,800 Land $16,090 Building $68,710

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130015022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
reduced by levee · depends on levee performance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims19 (1978–2013)
Claims Outside the SFHA5 of 19
Most Recent ClaimMay 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

Wildfire

Wildfire RiskLow
lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 231 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Metronet Holdings
Fiber		5,120 / 5,120
Mediacom Communications
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20
LTD Broadband
Fixed Wireless		150 / 130

May also be available: AMG Technology Investment Group, T-Mobile USA, Waterloo Telecommunications Utility.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA0790074, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWATERLOO WATER WORKS
serves 69,504 people
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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