816 Western Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 816 Western Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,138 sqft · built 1926
Lot Size	0.15 acres (6,550 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Aug 2018)
Tax Bill	$1,308 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-26-385-004`

Property Details

APN / Parcel Number

Primary APN	`8913-26-385-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,138 sqft Living Area
1st Floor Area	1,138 sqft
Basement Area	1,138 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,550 sqft (0.15 acres)
Lot Dimensions	131 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	48 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	816 WESTERN AVE
City	WATERLOO
State	IA
Zip	50702-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HITCHCOCK & FUESS ADDITION LOT 4 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	26
Legal Subdivision	HITCHCOCK & FUESS ADDITION
Legal Block	2
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1027
Census Tract	200

Owner

816 Western Ave is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	816 WESTERN AVE, WATERLOO, IA 50702-3020
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
Apr 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Nov 1, 2017	Deed of Trust, Mortgage VERIDIAN CU
Aug 3, 2018	Warranty Deed, Transfer LINCOLN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2018 · Amount on File
Deed Sale	Aug 3, 2018 · Amount on File
Deed Document Number	2018201900001885
Prior Transfer Date	Jul 26, 2018
Prior Transfer Doc	201900001886
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	816 WESTERN AVE, WATERLOO, IA 50702-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018569
Date	Apr 25, 2017
Instrument	2017-00018569

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	816 WESTERN AVE, WATERLOO, IA 50702-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800007731
Date	Nov 1, 2017
Instrument	2018-00007731

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2027

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 3, 2018
Property Address	816 WESTERN AVE, WATERLOO, IA 50702-3020
Document Number	201900001885
Instrument Date	Jul 26, 2018
Instrument	201900001885
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	816 WESTERN AVE, WATERLOO, IA 50702-3020

Mortgage

Document Number	201900001886
Date	Aug 3, 2018
Instrument	201900001886

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 816 Western Ave was $1,308 with a homeowner's exemption, up 5.5% 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	$1,308.00 (+5.48%) Homeowner's exemption	$89,600 Land $11,030 Building $78,570	$89,600 Land $11,030 Building $78,570
2024	$1,240.00
2023		$81,100 (+13.55%) Land $11,030 Building $70,070	$81,100 Land $11,030 Building $70,070
2022	$1,374.00 Homeowner's exemption	$71,420 Land $11,030 Building $60,390
2021			$71,420 Land $11,030 Building $60,390

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

Flood

FEMA maps place 816 Western Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

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	3 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jul 1980 · 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

The area around 816 Western 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 734 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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