103 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 103 Summit Ave, Waterloo, IA 50701 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1907
Square Footage	1,130 sqft Living Area
Lot Size	3,900 sqft (0.09 acres)
Occupancy	Owner Occupied
Last Sale	$65,000 (2023)
Tax Bill	$1,904.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`8913-27-433-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,130 sqft Living Area
1st Floor	612 sqft 1st Floor
Basement Area	612 sqft Basement
Unfinished Basement	612 sqft Unfinished
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Aluminum Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	3,900 sqft (0.09 acres)
Depth X Width	130 ft x 30 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	528 sqft Garage
Porch	1 Porch
Porch Area	129 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	103 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2757
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUMMIT ADDITION W 30 FT LOT 9 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	SUMMIT ADDITION
Legal Block	2
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Minor Civil Division	WATERLOO
Census Blockgroup	3
Census Block	3004
Census Tract	1400

Owner

Source: Black Hawk County records · APN 8913-27-433-012

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	Individual Name on File
Mailing Address	103 SUMMIT AVE, WATERLOO, IA 50701-2757
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 10, 2023 · Amount on Record
Deed Sale	Nov 10, 2023 · Amount on Record
Prior Sale	Nov 10, 2022 · Amount on Record
Deed Doc Number	20237568
Record Refreshed	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 10, 2022
Property Address	103 SUMMIT AVE, WATERLOO, IA 50701-2757
Document Number	202300007568
Instrument Date	Nov 03, 2022
Instrument	202300007568
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUMMIT AVE, WATERLOO, IA 50701-2757

Mortgage

Document Number	202300007569
Date	Nov 10, 2022
Instrument	202300007569

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

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	$1,904.00	$99,240 (+13.06%) Land $8,820 Building $90,420	$99,240 (+13.06%) Land $8,820 Building $90,420
2024	$1,904.00 (+11.21%)
2023		$87,780 (+12.65%) Land $8,820 Building $78,960	$87,780 (+12.65%) Land $8,820 Building $78,960
2022	$1,712.00	$77,920 Land $8,820 Building $69,100
2021			$77,920 Land $8,820 Building $69,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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; lenders make the official flood determination.