510 Frederic Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 510 Frederic Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,525 sqft · built 1916
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Aug 2021)
Tax Bill	$3,248 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-34-281-002`

Property Details

APN / Parcel Number

Primary APN	`8913-34-281-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,525 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Deck Area	80 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	510 FREDERIC AVE
City	WATERLOO
State	IA
Zip	50701-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT PLACE E 1/2 LOT 234 E 1/2 LOT 235
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT PLACE
Legal Lot Number	234,235
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4019
Census Tract	1400

Owner

510 Frederic Ave is owned and occupied by two individuals who bought it in August 2021.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	510 FREDERIC AVE, WATERLOO, IA 50701-4116
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Aug 27, 2019	Deed of Trust, Mortgage · Balloon Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Deed Document Number	2021202200002848
Prior Transfer Date	Mar 22, 2014
Prior Transfer Doc	0000017910
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 6, 2021
Property Address	510 FREDERIC AVE, WATERLOO, IA 50701-4116
Document Number	202200002848
Instrument Date	Jul 14, 2021
Instrument	202200002848
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	510 FREDERIC AVE, WATERLOO, IA 50701-4116

Mortgage

Document Number	202200002849
Date	Aug 6, 2021
Instrument	202200002849

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	510 FREDERIC AVE, WATERLOO, IA 50701-4116
Transaction Type	Mortgage
Record Updated	Sep 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003665
Date	Aug 27, 2019
Instrument	202000003665

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 510 Frederic Ave was $3,248 with a homeowner's exemption, up 21.4% 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	$3,248.00 (+21.38%) Homeowner's exemption	$184,610 Land $22,880 Building $161,730	$184,610 Land $22,880 Building $161,730
2024	$2,676.00
2023		$147,250 (+11.14%) Land $22,880 Building $124,370	$147,250 Land $22,880 Building $124,370
2022	$2,714.00 Homeowner's exemption	$132,490 Land $22,880 Building $109,610
2021			$132,490 Land $22,880 Building $109,610

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

Flood

FEMA maps place 510 Frederic Ave in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

The area around 510 Frederic 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 541 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
AT&T Fixed Wireless	100 / 20

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

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