120 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 120 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 979 sqft · built 1911
Lot Size	0.122 acres (5,330 sqft)
Owner	2 Trust Names on File
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Jan 2024 Transfer Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-27-430-012`

Property Details

APN / Parcel Number

Primary APN	`8913-27-430-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	979 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,330 sqft (0.122 acres)
Lot Dimensions	130 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	120 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JENKS AND MCQUILKINS SUBDIV LOT 4
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	JENKS AND MCQUILKINS SUBDIV
Legal Lot Number	4
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	1400

Owner

120 Summit Ave is held in a trust since January 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	126 SUMMIT AVE, WATERLOO, IA 50701-2758
Owner Type	Company
Vesting	Trust, Family Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Quit Claim Deed, Subdivision Related Transfer Quitclaim
Oct 6, 2017	Warranty Deed, Transfer FIRST SECURITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 22, 2024
Transfer Doc	0000009227
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 22, 2024
Property Address	120 SUMMIT AVE, WATERLOO, IA 50701-2758
Document Number	202400009227
Instrument Date	Jan 22, 2024
Instrument	202400009227
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 SUMMIT AVE, WATERLOO, IA 50701-2758

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 6, 2017
Property Address	120 SUMMIT AVE, WATERLOO, IA 50701-2758
Document Number	201800006168
Instrument Date	Oct 3, 2017
Instrument	2018-00006168
Transaction Type	Transfer
Record Updated	Feb 7, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800006169
Date	Oct 6, 2017
Instrument	2018-00006169

Lender

Name	FIRST SECURITY STATE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 120 Summit Ave was $2,276, up 6.7% 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	$2,276.00 (+6.65%)	$111,550 Land $12,050 Building $99,500	$111,550 Land $12,050 Building $99,500
2024	$2,134.00
2023		$98,360 (+11.27%) Land $12,050 Building $86,310	$98,360 Land $12,050 Building $86,310
2022	$1,942.00	$88,400 Land $12,050 Building $76,350
2021			$88,400 Land $12,050 Building $76,350

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

Flood

FEMA maps place 120 Summit Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 120 Summit 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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 416 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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