548 McShane Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 548 McShane Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 864 sqft · built 1960
Lot Size	0.191 acres (8,340 sqft)
Owner	Individual Name on File
Last Sale	$111,000 (Jan 2018)
Tax Bill	$2,764 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-10-482-019`

Property Details

APN / Parcel Number

Primary APN	`8913-10-482-019`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	500 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	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	548 MCSHANE AVE
City	WATERLOO
State	IA
Zip	50703-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVERDALE ACRES S 60 FT N 180 FT W 1/2 LOT 8
Legal Range	13W
Legal Township	89N
Legal Section	10
Legal Subdivision	CLOVERDALE ACRES
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1015
Census Tract	1702

Owner

548 McShane Ave is owned and occupied by an individual who bought it in January 2018.

Source: Black Hawk County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442
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
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Aug 18, 2017	Deed of Trust, Mortgage STATE BANK
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jan 3, 2018	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jun 9, 2017	Special Warranty Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2018 · Amount on File
Deed Sale	Jan 3, 2018 · Amount on File
Prior Sale	Aug 1, 2016 · Amount on File
Deed Document Number	201811363
Prior Transfer Date	Sep 8, 2009
Prior Transfer Doc	2010008883
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 16, 2026
Property Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442
Document Number	0000014027
Instrument Date	Sep 10, 2026
Instrument	202614027
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442

Mortgage

Document Number	0000014027,
Date	Sep 16, 2026
Instrument	202614027

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800003009
Date	Aug 18, 2017
Instrument	2018-00003009

Lender

Name	STATE BANK
Type	Bank
Address	NEW HAMPTON, IA 50659

Agreement

Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000021169
Date	Jun 2, 2020
Instrument	202000021169

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	314 Months
Due	Aug 28, 2046

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 3, 2018
Property Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442
Document Number	201800011363
Instrument Date	Oct 31, 2017
Instrument	2018-00011363
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442

Mortgage

Document Number	201800011364
Date	Jan 3, 2018
Instrument	2018-00011364

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

June 2017: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 9, 2017
Property Address	548 MCSHANE AVE, WATERLOO, IA 50703-1442
Document Number	201700021690
Instrument Date	Jun 9, 2017
Instrument	2017-00021690
Transaction Type	Foreclosure
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 548 McShane Ave was $2,764 with a homeowner's exemption, down 13.9% 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	$2,764.00 (-13.89%) Homeowner's exemption	$146,280 Land $19,500 Building $126,780	$146,280 Land $19,500 Building $126,780
2024	$3,210.00
2023		$158,170 (+39.23%) Land $19,500 Building $138,670	$158,170 Land $19,500 Building $138,670
2022	$2,300.00 Homeowner's exemption	$113,600 Land $19,500 Building $94,100
2021			$113,600 Land $19,500 Building $94,100

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

Flood

FEMA maps place 548 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 548 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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