413 Western Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 413 Western Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,150 sqft · built 1904
Lot Size	0.055 acres (2,385 sqft)
Owner	2 Company Names on File
Last Sale	$56,000 (Aug 2024)
Tax Bill	$1,052 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-329-019`

Property Details

APN / Parcel Number

Primary APN	`8913-26-329-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,150 sqft Living Area
1st Floor Area	575 sqft
Basement Area	575 sqft
Unfinished Basement	575 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	2,385 sqft (0.055 acres)
Lot Dimensions	45 ft deep x 53 ft wide

Exterior Amenities

Porch	Slab
Porch Area	161 sqft
Deck Area	150 sqft
Patio Area	150 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	413 WESTERN AVE
City	WATERLOO
State	IA
Zip	50701-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITNEY AND SEDGWICKS ADDITION SWLY 45 FT LOT 5 BLK 1 EXC THE NWLY 23.6 FT
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	WHITNEY AND SEDGWICKS ADDITION
Legal Block	1
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2025
Census Tract	300

Owner

413 Western Ave is owned by a company that bought it in August 2024.

Source: Black Hawk County records, as of September 28, 2026

Owner of Record	2 Company Names on File
Mailing Address	513 WASHINGTON ST, HUDSON, IA 50643-2202
Owner Type	Company
Vesting	Company

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 8, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Aug 28, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage LINCOLN SAVINGS BANK
Jun 7, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2024 · Amount on File
Deed Sale	Aug 28, 2024 · Amount on File
Prior Sale	Aug 28, 2023 · Amount on File
Deed Document Number	20242941
Prior Transfer Date	Mar 29, 2024
Prior Transfer Doc	0202417551
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	413 WESTERN AVE, WATERLOO, IA 50701-2637
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202600282
Date	Jan 8, 2026
Instrument	2026-00282

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	131 TOWER PARK DR STE 100, WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2056

Interest

Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	413 WESTERN AVE, WATERLOO, IA 50701-2637
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400002942
Date	Aug 28, 2023
Instrument	202400002942

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 23, 2043

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 7, 2017
Property Address	413 WESTERN AVE, WATERLOO, IA 50701-2637
Document Number	201700021551
Instrument Date	May 30, 2017
Instrument	2017-00021551
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Tax	$47.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 448, WATERLOO, IA 50704-0448
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 413 Western Ave was $1,052, up 9.1% 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	$1,052.00 (+9.13%)	$51,530 Land $3,980 Building $47,550	$51,530 Land $3,980 Building $47,550
2024	$964.00
2023		$44,480 (+22.1%) Land $3,980 Building $40,500	$44,480 Land $3,980 Building $40,500
2022	$800.00	$36,430 Land $3,980 Building $32,450
2021			$36,430 Land $3,980 Building $32,450

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

Flood

FEMA maps place 413 Western Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 413 Western 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 734 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

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

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