Black Hawk County property record for 425 Downing Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 864 sqft · built 1965 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $117,000 (Aug 2009) |
| Tax Bill | $3,138 (2025) |
| Deeds & Mortgages | Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-27-176-001 |
| Primary APN | 8913-27-176-001 |
|---|
| 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 | 800 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Wood Siding |
| 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 | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 425 DOWNING AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NOBLE HADLEY ADDITION LOT 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 27 |
| Legal Subdivision | NOBLE HADLEY ADDITION |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 1502 |
425 Downing Ave is owned and occupied by an individual who bought it in August 2009.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 425 DOWNING AVE, WATERLOO, IA 50701-2432 |
| 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 Sale | Aug 5, 2009 · Amount on File |
| Deed Sale | Aug 5, 2009 · Amount on File |
| Prior Sale | Apr 11, 2006 · Amount on File |
| Deed Document Number | 20092010002751 |
| Prior Transfer Date | Apr 27, 2007 |
| Prior Transfer Doc | 2007022608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 4, 2018 |
| Property Address | 425 DOWNING AVE, WATERLOO, IA 50701-2432 |
| Document Number | 201900003695 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 201900003695 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 425 DOWNING AVE, WATERLOO, IA 50701-2432 |
| Document Number | 201900003696 |
|---|---|
| Date | Sep 4, 2018 |
| Instrument | 201900003696 |
| Name | GERSHMAN INVESTMENT |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 425 Downing Ave was $3,138, up 14.2% 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 | $3,138.00 (+14.19%) | $153,740 Land $17,700 Building $136,040 | $153,740 Land $17,700 Building $136,040 |
| 2024 | $2,748.00 | ||
| 2023 | $126,710 (+27.96%) Land $17,700 Building $109,010 | $126,710 Land $17,700 Building $109,010 | |
| 2022 | $2,174.00 | $99,020 Land $17,700 Building $81,320 | |
| 2021 | $99,020 Land $17,700 Building $81,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 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 425 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.
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