Black Hawk County property record for 635 Independence Ave, Waterloo, IA 50703 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,232 sqft · built 1909 |
| Lot Size | 0.119 acres (5,175 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $318 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-481-005 |
| Primary APN | 8913-24-481-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 616 sqft |
| Basement Area | 616 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,175 sqft (0.119 acres) |
| Lot Dimensions | 115 ft deep x 45 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 208 sqft |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 635 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-4114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUDITORS PLAT OF LOTS 7 & 8 HARDY & VIRDENS PLAT LOT 3 EXC THAT PART FOR HWY AS DESC IN B 62 P 557 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | AUDITORS PLAT OF LOTS 7 & 8 |
| Legal Lot Number | 3,7-8 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 700 |
Source: Black Hawk County records · APN 8913-24-481-005
Assessment roll updated October 17, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 635 INDEPENDENCE AVE, WATERLOO, IA 50703-4114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $318.00 Homeowner's exemption | $54,270 (+40.49%) Land $4,870 Building $49,400 | $54,270 (+40.49%) Land $4,870 Building $49,400 |
| 2024 | $318.00 (-51.75%) | ||
| 2023 | $38,630 Land $4,870 Building $33,760 | $38,630 Land $4,870 Building $33,760 | |
| 2022 | $659.00 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130007001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 2 (1979–1980) |
| Most Recent Claim | Jun 1980, rainfall accumulation |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 446 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Mediacom Communications | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Waterloo Telecommunications Utility, Mediacom Communications, AMG Technology Investment Group, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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