820 Independence Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 820 Independence Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,168 sqft · built 1904
Lot Size	0.216 acres (9,396 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,050 (2025)
Flood Zone	Zone X (minimal risk)
APN	`8912-30-101-002`

Property Details

APN / Parcel Number

Primary APN	`8912-30-101-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,168 sqft Living Area
1st Floor Area	416 sqft
Basement Area	416 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,396 sqft (0.216 acres)
Lot Dimensions	108 ft deep x 87 ft wide
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	820 INDEPENDENCE AVE
City	WATERLOO
State	IA
Zip	50703-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITORS BELL COURT PLAT W 41 FT LOT 28 EXC HWY LOT 29 EXC HWY
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	AUDITORS BELL COURT PLAT
Legal Lot Number	28,29
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	1900

Owner

Source: Black Hawk County records · APN 8912-30-101-002

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	820 INDEPENDENCE AVE, WATERLOO, IA 50703-4117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

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

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	$1,050.00	$66,660 (+37.73%) Land $8,710 Building $57,950	$66,660 (+37.73%) Land $8,710 Building $57,950
2024	$1,050.00 (+9.38%)
2023		$48,400 (+10.63%) Land $8,710 Building $39,690	$48,400 (+10.63%) Land $8,710 Building $39,690
2022	$960.00	$43,750 Land $8,710 Building $35,040
2021			$43,750 Land $8,710 Building $35,040

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	7 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Waterloo Telecommunications Utility.

Based on FCC filings for 446 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO WATER WORKS serves 69,504 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.