543 McShane Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 543 McShane Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1960
Lot Size	0.191 acres (8,340 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Aug 2021)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-10-481-005`

Property Details

APN / Parcel Number

Primary APN	`8913-10-481-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	350 sqft
Unfinished Basement	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,340 sqft (0.191 acres)
Lot Dimensions	139 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	543 MCSHANE AVE
City	WATERLOO
State	IA
Zip	50703-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVERDALE ACRES S 60 FT N 240 FT E 1/2 LOT 9
Legal Range	13W
Legal Township	89N
Legal Section	10
Legal Subdivision	CLOVERDALE ACRES
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1014
Census Tract	1702

Owner

543 McShane Ave is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	543 MCSHANE AVE, WATERLOO, IA 50703-1441
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2021 · Amount on File
Deed Sale	Aug 17, 2021 · Amount on File
Prior Sale	Jun 10, 2014 · Amount on File
Deed Document Number	2021202200003630
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 17, 2021
Property Address	543 MCSHANE AVE, WATERLOO, IA 50703-1441
Document Number	202200003630
Instrument Date	Aug 6, 2021
Instrument	202200003630
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 MCSHANE AVE, WATERLOO, IA 50703-1441

Mortgage

Document Number	202200003631
Date	Aug 17, 2021
Instrument	202200003631

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 543 McShane Ave was $2,542 with a homeowner's exemption, down 9.8% 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	$2,542.00 (-9.79%) Homeowner's exemption	$135,420 Land $19,500 Building $115,920	$135,420 Land $19,500 Building $115,920
2024	$2,818.00
2023		$140,160 (+39.2%) Land $19,500 Building $120,660	$140,160 Land $19,500 Building $120,660
2022	$2,016.00	$100,690 Land $19,500 Building $81,190
2021			$100,690 Land $19,500 Building $81,190

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

Flood

FEMA maps place 543 McShane Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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
Nearby Flood Claims	2 (1999–2008)
Most Recent Claim	Apr 2008 · 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

Wildfire risk around 543 McShane Ave is low, with less than a 0.01% annual chance of 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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