Black Hawk County property record for 5844 Independence Ave, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1940 |
| Lot Size | 4.16 acres (181,209 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,662 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 8912-26-226-051 |
| Primary APN | 8912-26-226-051 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 181,209 sqft (4.16 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 105 sqft |
| Patio Area | 152 sqft |
| Lean-To | Lean-To |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 5844 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-9413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PROSPERITY FARMS NUMBER ONE ALL TRACK 7 EXC S 112.94 FT & EXC E 290.62 FT N 108 FT S 220.94 FT & EXC ALL THAT PART OF E 27 FT |
| Legal Range | 12W |
| Legal Township | 89N |
| Legal Section | 26 |
| Legal Subdivision | PROSPERITY FARMS NUMBER ONE |
| Legal Tract | 7,8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | POYNER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 2700 |
5844 Independence Ave is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5844 INDEPENDENCE AVE, WATERLOO, IA 50703-9413 |
| 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.
| Date | Document |
|---|---|
| Dec 31, 2020 | Deed of Trust, Mortgage VERIDIAN CU |
| Nov 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5844 INDEPENDENCE AVE, WATERLOO, IA 50703-9413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5844 INDEPENDENCE AVE, WATERLOO, IA 50703-9413 |
| Document Number | 202100013867 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 202100013867 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 5844 INDEPENDENCE AVE, WATERLOO, IA 50703-9413 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 202000009669 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 202000009669 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2029 |
The 2025 property tax bill for 5844 Independence Ave was $1,662 with a homeowner's exemption, down 3.6% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Unified School District | Dunkerton Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,662.00 (-3.6%) Homeowner's exemption | $155,290 Land $58,500 Building $96,790 | $155,290 Land $58,500 Building $96,790 |
| 2024 | $1,724.00 | ||
| 2023 | $147,870 (+15.96%) Land $48,750 Building $99,120 | $147,870 Land $48,750 Building $99,120 | |
| 2022 | $1,744.00 Homeowner's exemption | $127,520 Land $39,000 Building $88,520 | |
| 2021 | $127,520 Land $39,000 Building $88,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5844 Independence Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 8 (1993–2010) |
| Claims Outside the SFHA | 6 of 8 |
| Most Recent Claim | Jul 2010 · Severe Storms, Flooding, And Tornadoes |
| Claims by Event |
|
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 risk around 5844 Independence 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 98% of the US · lower than 82% 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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