Black Hawk County property record for 423 Downing Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 864 sqft · built 1966 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $211,000 (Aug 2025) |
| Tax Bill | $3,682 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-27-176-002 |
| Primary APN | 8913-27-176-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 600 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| 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 |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 423 DOWNING AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NOBLE HADLEY ADDITION LOT 2 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 27 |
| Legal Subdivision | NOBLE HADLEY ADDITION |
| Legal Lot Number | 2 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 1502 |
423 Downing Ave is owned and occupied by an individual who bought it in August 2025.
Source: Black Hawk County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 423 DOWNING AVE, WATERLOO, IA 50701-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on File |
| Deed Sale | Aug 11, 2025 · Amount on File |
| Deed Document Number | 202511550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 423 DOWNING AVE, WATERLOO, IA 50701-2432 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201900015816 |
|---|---|
| Date | Apr 25, 2019 |
| Instrument | 201900015816 |
| Name | UNIVERSITY OF IOWA CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 423 Downing Ave was $3,682, up 37% 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 | $3,682.00 (+36.98%) | $180,440 Land $17,700 Building $162,740 | $180,440 Land $17,700 Building $162,740 |
| 2024 | $2,688.00 | ||
| 2023 | $123,870 (+28.94%) Land $17,700 Building $106,170 | $123,870 Land $17,700 Building $106,170 | |
| 2022 | $2,110.00 | $96,070 Land $17,700 Building $78,370 | |
| 2021 | $96,070 Land $17,700 Building $78,370 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 423 Downing Ave in Zone X, where a levee reduces flood risk, though there have been 19 flood claims nearby since 1978.
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 |
|---|---|
| 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 |
|
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 risk around 423 Downing Ave is low, with less than a 0.01% annual chance of 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures