Black Hawk County property record for 425 Independence Ave, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,452 sqft · built 1899 |
| Lot Size | 0.248 acres (10,824 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $13,000 (Jul 2005) |
| Tax Bill | $1,868 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-460-011 |
| Primary APN | 8913-24-460-011 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,452 sqft Living Area |
| 1st Floor Area | 1,110 sqft |
| Basement Area | 1,342 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,824 sqft (0.248 acres) |
| Lot Dimensions | 164 ft deep x 66 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | Deck Area |
| Patio Area | 36 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 425 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUDITOR FRANCIS HARDY & VIRDEN PLAT NO 4 LOT 6 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | AUDITOR FRANCIS HARDY & VIRDEN |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 700 |
425 Independence Ave is owned by two individuals who bought it in July 2005.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1646 TIMBER CREEK AVE, EVANSDALE, IA 50707-1865 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2005 · Amount on File |
| Deed Sale | Jul 6, 2005 · Amount on File |
| Deed Document Number | 20052006000460 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 425 INDEPENDENCE AVE, WATERLOO, IA 50703-4071 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 425 INDEPENDENCE AVE, WATERLOO, IA 50703-4071 |
| Document Number | 202100024692 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 202100024692 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 5, 2031 |
The 2025 property tax bill for 425 Independence Ave was $1,868, up 32.3% 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 | $1,868.00 (+32.29%) | $91,540 Land $7,970 Building $83,570 | $91,540 Land $7,970 Building $83,570 |
| 2024 | $1,412.00 | ||
| 2023 | $65,080 (-0.18%) Land $7,970 Building $57,110 | $65,080 Land $7,970 Building $57,110 | |
| 2022 | $1,432.00 | $65,200 Land $7,970 Building $57,230 | |
| 2021 | $65,200 Land $7,970 Building $57,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 425 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 425 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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