411 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 411 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1963
Lot Size	0.17 acres (7,425 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,000 (Dec 2007)
Tax Bill	$2,832 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2011 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-176-004`

Property Details

APN / Parcel Number

Primary APN	`8913-27-176-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,425 sqft (0.17 acres)
Lot Dimensions	135 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	411 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-2432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOBLE HADLEY ADDITION LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	NOBLE HADLEY ADDITION
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	1502

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	411 DOWNING AVE, WATERLOO, IA 50701-2432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CREDIT UNION
Mar 15, 2011	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jan 6, 2014	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FARMERS STATE BANK
Dec 31, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2007 · Amount on Record
Deed Sale	Dec 31, 2007 · Amount on Record
Deed Document Number	20072008013273
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 20, 2026
Property Address	411 DOWNING AVE, WATERLOO, IA 50701-2432
Document Number	0000005414
Instrument Date	Apr 17, 2026
Instrument	20265414
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	411 DOWNING AVE, WATERLOO, IA 50701-2432

Mortgage

Document Number	0000005414,
Date	Apr 20, 2026
Instrument	20265414

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	411 DOWNING AVE, WATERLOO, IA 50701-2432
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2011017885
Date	Mar 15, 2011
Instrument	2011017885

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2041

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	411 DOWNING AVE, WATERLOO, IA 50701-2432
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2014013291
Date	Jan 6, 2014
Instrument	2014013291

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2024

December 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 31, 2007
Property Address	411 DOWNING AVE, WATERLOO, IA 50701-2432
Document Number	2008013273
Instrument Date	Dec 20, 2007
Instrument	2008013273
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	411 DOWNING AVE, WATERLOO, IA 50701-2432
Investor	Possibly a Property Investor

Mortgage

Document Number	2008013274
Date	Dec 31, 2007
Instrument	2008013274

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2038

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	$2,832.00 (+15.12%) Homeowner's exemption	$149,680 (+21.06%) Land $17,700 Building $131,980	$149,680 (+21.06%) Land $17,700 Building $131,980
2024	$2,460.00 (+27.2%)
2023		$123,640 (+27.54%) Land $17,700 Building $105,940	$123,640 (+27.54%) Land $17,700 Building $105,940
2022	$1,934.00 Homeowner's exemption	$96,940 Land $17,700 Building $79,240
2021			$96,940 Land $17,700 Building $79,240

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	19 (1978–2013)
Claims Outside the SFHA	5 of 19
Most Recent Claim	May 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

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 231 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
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, T-Mobile, Waterloo Fiber.

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