109 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 109 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,154 sqft · built 1897
Lot Size	0.185 acres (8,060 sqft)
Owner	Company on Record
Tax Bill	$1,116 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-27-433-011`

Property Details

APN / Parcel Number

Primary APN	`8913-27-433-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,154 sqft Living Area
1st Floor Area	448 sqft
Basement Area	448 sqft
Unfinished Basement	448 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,060 sqft (0.185 acres)
Lot Dimensions	130 ft deep x 62 ft wide

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	109 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT ADDITION LOT 8 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	SUMMIT ADDITION
Legal Block	2
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3004
Census Tract	1400

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company on Record
Mailing Address	3130 FINLEY RD, 510, DOWNERS GROVE, IL 60515-1100
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANKIOWA
Sep 16, 2021	Warranty Deed, Transfer TITLE SERVICES GROUP, TITLE SERVICES CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	109 SUMMIT AVE, WATERLOO, IA 50701-2757
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202200014596
Date	Jan 14, 2022
Instrument	202200014596

Lender

Name	BANKIOWA
Type	Bank
Address	INDEPENDENCE, IA 50644

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 16, 2021
Property Address	109 SUMMIT AVE, WATERLOO, IA 50701-2757
Document Number	202200005932
Instrument Date	Sep 8, 2021
Instrument	202200005932
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Tax	$56.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3030 FINLEY RD # 510-A, 510-A, DOWNERS GROVE, IL 60515-1163
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$1,116.00	$56,420 (+9.66%) Land $18,230 Building $38,190	$56,420 (+9.66%) Land $18,230 Building $38,190
2024	$1,116.00 (+7.72%)
2023		$51,450 (+9.17%) Land $18,230 Building $33,220	$51,450 (+9.17%) Land $18,230 Building $33,220
2022	$1,036.00	$47,130 Land $18,230 Building $28,900
2021			$47,130 Land $18,230 Building $28,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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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