524 Western Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 524 Western Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1913
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Jun 2018)
Tax Bill	$1,324 (2025)
Deeds & Mortgages	Nov 2021 Transfer Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-26-376-007`

Property Details

APN / Parcel Number

Primary APN	`8913-26-376-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	100 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	870 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	524 WESTERN AVE
City	WATERLOO
State	IA
Zip	50702-2835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLERS 4TH ADDITION NW 40 FT LOTS 9 AND 10
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	MILLERS 4TH ADDITION
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1017
Census Tract	200

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	524 WESTERN AVE, WATERLOO, IA 50702-2835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Intrafamily Transfer, Transfer
Jun 8, 2018	Warranty Deed, Transfer IOWA BANKERS MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2018 · Amount on Record
Deed Sale	Jun 8, 2018 · Amount on Record
Deed Document Number	201820173
Last Transfer Date	Nov 17, 2021
Transfer Doc	202100010911
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 22, 2021
Property Address	524 WESTERN AVE, WATERLOO, IA 50702-2835
Document Number	202100010911
Instrument Date	Nov 17, 2021
Instrument	202100010911
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 WESTERN AVE, WASHBURN, IA 50702-2835

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 8, 2018
Property Address	524 WESTERN AVE, WATERLOO, IA 50702-2835
Document Number	201800020173
Instrument Date	Jun 6, 2018
Instrument	201800020173
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 WESTERN AVE, WATERLOO, IA 50702-2835

Mortgage

Document Number	201800020174
Date	Jun 8, 2018
Instrument	201800020174

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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	$1,324.00 Homeowner's exemption	$79,950 (+12.18%) Land $8,550 Building $71,400	$79,950 (+12.18%) Land $8,550 Building $71,400
2024	$1,324.00 (+10.89%)
2023		$71,270 (+12.72%) Land $8,550 Building $62,720	$71,270 (+12.72%) Land $8,550 Building $62,720
2022	$1,194.00 Homeowner's exemption	$63,230 Land $8,550 Building $54,680
2021			$63,230 Land $8,550 Building $54,680

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

Flood

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	3 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jul 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.

Wildfire

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 734 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

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

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