527 Downing Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 527 Downing Ave, Waterloo, IA 50701

Property Summary

Property Type	Triplex
Details	2 bd · 4 ba · 1,606 sqft · built 1943
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on Record
Tax Bill	$4,436 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2022 Sale + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-151-066`

Property Details

APN / Parcel Number

Primary APN	`8913-27-151-066`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,606 sqft Total Area
1st Floor Area	800 sqft
Basement Area	1,606 sqft
Finished Basement	925 sqft
Unfinished Basement	1,606 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Triplex
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	150 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	208 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	527 DOWNING AVE
City	WATERLOO
State	IA
Zip	50701-2400
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	AUD PLAT OF PART OF MEADOWDALE WLOO W 1/2 LOT 1 EXC S 147 FT
Legal Subdivision	AUD PLAT OF PART OF MEADOWDALE
Legal Lot Number	1
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2035
Census Tract	1502

Owner

Source: Black Hawk County records, as of September 1, 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	9725 SYLVAN DR, JANESVILLE, IA 50647-1163
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit DENVER SAVINGS BANK
Sep 8, 2022	Warranty Deed, Transfer
Apr 14, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	527 DOWNING AVE, WATERLOO, IA 50701-2400
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300008204
Date	Nov 23, 2022
Instrument	202300008204

Lender

Name	DENVER SAVINGS BANK
Type	Bank
Address	DENVER, IA 50622

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 8, 2022
Property Address	527 DOWNING AVE, WATERLOO, IA 50701-2400
Document Number	202300004131
Instrument Date	Sep 6, 2022
Instrument	202300004131
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Tax	$207.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9725 SYLVAN DR, JANESVILLE, IA 50647-1163
Investor	Possibly a Property Investor

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 14, 2021
Property Address	527 DOWNING AVE, WATERLOO, IA 50701-2400
Document Number	202100021624
Map Reference	FILE 2021-00015479
Instrument Date	Mar 8, 2021
Instrument	202100021624
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$2.40
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 BLACK HAWK RD #5B # 5B, 5B, WATERLOO, IA 50701

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	$4,436.00 (+104.61%)	$217,390 (+117.54%) Land $10,100 Building $207,290	$217,390 (+117.54%) Land $10,100 Building $207,290
2024	$2,168.00 (+65.5%)
2023		$99,930 (+67.47%) Land $10,100 Building $89,830	$99,930 (+67.47%) Land $10,100 Building $89,830
2022	$1,310.00	$59,670 Land $10,100 Building $49,570
2021			$59,670 Land $10,100 Building $49,570

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 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	Severe Storms, Flooding, And Tornadoes, Jul 2010 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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	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.

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 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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