545 Evergreen Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 545 Evergreen Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 579 sqft · built 1939
Lot Size	0.078 acres (3,400 sqft)
Owner	Individual Name on File
Last Sale	$59,000 (May 2018)
Tax Bill	$1,550 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-22-304-014`

Property Details

APN / Parcel Number

Primary APN	`8913-22-304-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	579 sqft Living Area
1st Floor Area	579 sqft
Basement Area	579 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,400 sqft (0.078 acres)
Lot Dimensions	85 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	345 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	545 EVERGREEN AVE
City	WATERLOO
State	IA
Zip	50701-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALLOWAY ADDITION WATERLOO W 85 FT LOT 12
Legal Range	13W
Legal Township	89N
Legal Section	22
Legal Subdivision	GALLOWAY ADDITION WATERLOO
Legal Lot Number	12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2004
Census Tract	400

Owner

545 Evergreen Ave is owned and occupied by an individual who bought it in May 2018.

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	545 EVERGREEN AVE, WATERLOO, IA 50701-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2018 · Amount on File
Deed Sale	May 8, 2018 · Amount on File
Deed Document Number	201818204
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 8, 2018
Property Address	545 EVERGREEN AVE, WATERLOO, IA 50701-2105
Document Number	201800018204
Instrument Date	May 2, 2018
Instrument	201800018204
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 EVERGREEN AVE, WATERLOO, IA 50701-2105

Mortgage

Document Number	201800018205
Date	May 8, 2018
Instrument	201800018205

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Jun 1, 2028
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 545 Evergreen Ave was $1,550 with a homeowner's exemption, up 17.6% 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	$1,550.00 (+17.6%) Homeowner's exemption	$86,870 Land $10,400 Building $76,470	$86,870 Land $10,400 Building $76,470
2024	$1,318.00
2023		$70,940 (+28.77%) Land $10,400 Building $60,540	$70,940 Land $10,400 Building $60,540
2022	$1,016.00 Homeowner's exemption	$55,090 Land $10,400 Building $44,690
2021			$55,090 Land $10,400 Building $44,690

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

Flood

FEMA maps place 545 Evergreen Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 545 Evergreen 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 625 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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