Black Hawk County property record for 409 Independence Ave, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,275 sqft · built 1912 |
| Lot Size | 0.072 acres (3,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $872 (2025) |
| Deeds & Mortgages | Dec 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-459-012 |
| Primary APN | 8913-24-459-012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,275 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Finished Basement | 225 sqft |
| Unfinished Basement | 672 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,120 sqft (0.072 acres) |
| Lot Dimensions | 65 ft deep x 48 ft wide |
| Porch | Slab |
| Porch Area | 216 sqft |
| Patio Area | 224 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 409 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMITHS SUBDIVISION S 65 FT E 48 FT LOT 13 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | SMITHS SUBDIVISION |
| Legal Lot Number | 13 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 700 |
409 Independence Ave is owned and occupied by an individual who acquired it in December 2012.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 INDEPENDENCE AVE, WATERLOO, IA 50703-4011 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 7, 2012 |
| Transfer Doc | 2013012396 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 409 INDEPENDENCE AVE, WATERLOO, IA 50703-4011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100012258 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 202100012258 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 409 Independence Ave was $872 with a homeowner's exemption, down 18.8% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $872.00 (-18.81%) Homeowner's exemption | $53,600 Land $3,700 Building $49,900 | $53,600 Land $3,700 Building $49,900 |
| 2024 | $1,074.00 | ||
| 2023 | $37,800 (-4.45%) Land $3,700 Building $34,100 | $37,800 Land $3,700 Building $34,100 | |
| 2022 | $1,403.00 | $39,560 Land $3,700 Building $35,860 | |
| 2021 | $39,560 Land $3,700 Building $35,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Independence Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 2 (1979–1980) |
| Most Recent Claim | Jun 1980 · 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.
The area around 409 Independence 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 332 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink.
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