514 Frederic Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 514 Frederic Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,328 sqft · built 1922
Lot Size	0.209 acres (9,100 sqft)
Owner	Individual Name on File
Last Sale	$119,000 (Sep 2009)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-34-281-003`

Property Details

APN / Parcel Number

Primary APN	`8913-34-281-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,328 sqft Living Area
1st Floor Area	906 sqft
Basement Area	906 sqft
Finished Basement	225 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,100 sqft (0.209 acres)
Lot Dimensions	70 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Deck Area	285 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	514 FREDERIC AVE
City	WATERLOO
State	IA
Zip	50701-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROSPECT PLACE N 20 FT LOT 262 LOT 263
Legal Range	13W
Legal Township	89N
Legal Section	34
Legal Subdivision	PROSPECT PLACE
Legal Lot Number	262,263
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	4
Census Block	4019
Census Tract	1400

Owner

514 Frederic Ave is owned and occupied by an individual who bought it in September 2009.

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	514 FREDERIC AVE, WATERLOO, IA 50701-4116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Dec 8, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2009 · Amount on File
Deed Sale	Sep 22, 2009 · Amount on File
Deed Document Number	20092010006136
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 14, 2026
Property Address	514 FREDERIC AVE, WATERLOO, IA 50701-4116
Document Number	0000005139
Instrument Date	Apr 9, 2026
Instrument	20265139
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005139,
Date	Apr 14, 2026
Instrument	20265139

Lender

Name	FARMERS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 25, 2041

Interest

Rate	5.5%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	514 FREDERIC AVE, WATERLOO, IA 50701-4116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100012200
Date	Dec 8, 2020
Instrument	202100012200

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50702

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	64 Months
Due	Apr 21, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 514 Frederic Ave was $3,348 with a homeowner's exemption, up 7.7% 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	$3,348.00 (+7.65%) Homeowner's exemption	$189,550 Land $27,300 Building $162,250	$189,550 Land $27,300 Building $162,250
2024	$3,110.00
2023		$153,560 (+11.61%) Land $27,300 Building $126,260	$153,560 Land $27,300 Building $126,260
2022	$2,826.00 Homeowner's exemption	$137,590 Land $27,300 Building $110,290
2021			$137,590 Land $27,300 Building $110,290

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

Flood

FEMA maps place 514 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 514 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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