Route Description
Iowa Highway 281 begins at the eastern city limits of Waterloo along what is Independence Avenue in Waterloo. It heads due east for 51⁄2 miles (8.9 km) until it reaches an intersection with Black Hawk County Roads D20 (CR D20) and V54 (CR V54). CR V54 connects Iowa 281 to an interchange with U.S. Route 20 located 31⁄2 miles (5.6 km) to the south. At the intersection, Iowa 281 turns to the north, while CR D20 continues to the east.
Iowa 220 travels north for 9 miles (14 km), passing through Dunkerton and crossing Crane Creek. It turns to the east, 1⁄2 miles (0.80 km) south of the Bremer County line and crosses the Wapsipinicon River. From the Wapsipinicon, it takes an S-curve to the north and east and enters Fairbank in Buchanan County, where it crosses the Little Wapsipinicon River. East of Fairbank, Iowa 281 takes another S-curve which places the highway on the Buchanan County / Fayette County line. Iowa 281 heads east along the county line until its end at Iowa Highway 150 south of Oelwein.
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