547 McShane Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 547 McShane Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 836 sqft · built 1960
Lot Size	0.191 acres (8,340 sqft)
Owner	Individual Name on File
Last Sale	$100 (Jun 2017)
Tax Bill	$2,220 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-10-481-004`

Property Details

APN / Parcel Number

Primary APN	`8913-10-481-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	836 sqft Living Area
1st Floor Area	836 sqft
Basement Area	836 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	Gable
Roof Material	Asphalt
Lot Area	8,340 sqft (0.191 acres)
Lot Dimensions	139 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	547 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 180 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

547 McShane Ave is owned and occupied by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	547 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

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage GREENSTATE CU
Jun 29, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Jun 29, 2017	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2017 · Amount on File
Deed Sale	Jun 29, 2017 · Amount on File
Deed Document Number	201723021
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	547 MCSHANE AVE, WATERLOO, IA 50703-1441
Transaction Type	Mortgage
Record Updated	Sep 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400002628
Date	Aug 23, 2023
Instrument	202400002628

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 15, 2033

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	547 MCSHANE AVE, WATERLOO, IA 50703-1441
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700023022
Date	Jun 29, 2017
Instrument	2017-00023022

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 29, 2017
Property Address	547 MCSHANE AVE, WATERLOO, IA 50703-1441
Document Number	201700023021
Instrument Date	Jun 27, 2017
Instrument	2017-00023021
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$122.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	547 MCSHANE AVE, WATERLOO, IA 50703-1441

Mortgage

Document Number	201700023023
Date	Jun 29, 2017
Instrument	2017-00023023

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	73 Months
Due	Jul 5, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 547 McShane Ave was $2,220 with a homeowner's exemption, down 9.9% 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	$2,220.00 (-9.9%) Homeowner's exemption	$119,640 Land $19,500 Building $100,140	$119,640 Land $19,500 Building $100,140
2024	$2,464.00
2023		$123,850 (+36.32%) Land $19,500 Building $104,350	$123,850 Land $19,500 Building $104,350
2022	$1,800.00 Homeowner's exemption	$90,850 Land $19,500 Building $71,350
2021			$90,850 Land $19,500 Building $71,350

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

Flood

FEMA maps place 547 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 547 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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