906 Independence Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 906 Independence Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,670 sqft · built 1920
Lot Size	0.295 acres (12,870 sqft)
Owner	Individual Name on File
Tax Bill	$2,306 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8912-30-101-004`

Property Details

APN / Parcel Number

Primary APN	`8912-30-101-004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,670 sqft Living Area
1st Floor Area	676 sqft
Basement Area	988 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,870 sqft (0.295 acres)
Lot Dimensions	165 ft deep x 78 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	268 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	906 INDEPENDENCE AVE
City	WATERLOO
State	IA
Zip	50703-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUDITORS BELL COURT PLAT LOT 20 SOUTH OF HWY LOT 21 LOT 22
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	AUDITORS BELL COURT PLAT
Legal Lot Number	20-22
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	1900

Owner

906 Independence Ave, a single family home, is owned by an individual.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	133 RHEY ST, WATERLOO, IA 50703-4913
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage COLLINS COMMUNITY CU
Jun 2, 2017	Deed of Trust, Mortgage · ARM COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	906 INDEPENDENCE AVE, WATERLOO, IA 50703-4204
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 INDEPENDENCE AVE, WATERLOO, IA 50703-4204

Mortgage

Document Number	0202517364
Date	Nov 24, 2025
Instrument	2025-17364

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	1005 BLAIRS FERRY RD NE, CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	906 INDEPENDENCE AVE, WATERLOO, IA 50703-4204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700021068
Date	Jun 2, 2017
Instrument	2017-00021068

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	ARM
Amount	Amount on Record
Term	341 Months
Due	Nov 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 906 Independence Ave was $2,306, up 31.6% 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	$2,306.00 (+31.62%)	$112,960 Land $6,760 Building $106,200	$112,960 Land $6,760 Building $106,200
2024	$1,752.00
2023		$80,750 (+12.92%) Land $6,760 Building $73,990	$80,750 Land $6,760 Building $73,990
2022	$2,000.00	$71,510 Land $6,760 Building $64,750
2021			$71,510 Land $6,760 Building $64,750

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

Flood

FEMA maps place 906 Independence Ave in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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 Claims	7 (1979)
Most Recent Claim	Apr 1979 · 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 906 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.

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 446 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

Nearby Properties on Independence Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures