325 Cornwall Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 325 Cornwall Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,491 sqft · built 1940
Lot Size	0.87 acres (37,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,000 (Dec 2024)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-301-036`

Property Details

APN / Parcel Number

Primary APN	`8913-35-301-036`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,491 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	450 sqft
Unfinished Basement	1,064 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,910 sqft (0.87 acres)
Lot Dimensions	297 ft deep x 125 ft wide
Garage Type	Mixed
Garage Area	1,384 sqft
Parking Spaces	5 Parking Spaces
Deck Area	375 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	325 CORNWALL AVE
City	WATERLOO
State	IA
Zip	50702-3815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITOR SEARS PLAT NO 1 LOT 16 & W 5 FT S 156.83 FT LOT 19
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	AUDITOR SEARS PLAT NO 1
Legal Lot Number	16,19
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1006
Census Tract	1200

Owner

Source: Black Hawk County records, as of October 21, 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	325 CORNWALL AVE, WATERLOO, IA 50702-3815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Dec 11, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2024 · Amount on Record
Deed Sale	Dec 22, 2024 · Amount on Record
Prior Sale	Dec 22, 2023 · Amount on Record
Deed Document Number	20248191
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 22, 2023
Property Address	325 CORNWALL AVE, WATERLOO, IA 50702-3815
Document Number	202400008191
Instrument Date	Dec 21, 2023
Instrument	202400008191
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$442.40
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	325 CORNWALL AVE, WATERLOO, IA 50702-3815

Mortgage

Document Number	202400008192
Date	Dec 22, 2023
Instrument	202400008192

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	202400008192
Date	Dec 22, 2023
Instrument	202400008192

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	325 CORNWALL AVE, WATERLOO, IA 50702-3815
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 CORNWALL AVE, WASHBURN, IA 50702-3815

Mortgage

Document Number	202400007553
Date	Dec 11, 2023
Instrument	202400007553

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 10, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	325 CORNWALL AVE, WATERLOO, IA 50702-3815
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000018381
Date	Apr 23, 2020
Instrument	202000018381

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

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	$6,458.00 (-6.05%) Homeowner's exemption	$327,320 (-0.67%) Land $47,570 Building $279,750	$327,320 (-0.67%) Land $47,570 Building $279,750
2024	$6,874.00 (+31.03%)
2023		$329,520 (+33.02%) Land $47,570 Building $281,950	$329,520 (+33.02%) Land $47,570 Building $281,950
2022	$5,246.00 Homeowner's exemption	$247,730 Land $47,570 Building $200,160
2021			$247,730 Land $47,570 Building $200,160

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	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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