128 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 128 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,091 sqft · built 1915
Lot Size	0.122 acres (5,330 sqft)
Owner	Individual Name on Record
Last Sale	$72,500 (Feb 2024)
Tax Bill	$2,172 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-430-014`

Property Details

APN / Parcel Number

Primary APN	`8913-27-430-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,091 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
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	264 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	392 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	128 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 6
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	JENKS AND MCQUILKINS SUBDIV
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	1400

Owner

Source: Black Hawk County records, as of September 1, 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 Record
Mailing Address	3586 S NORFOLK WAY, AURORA, CO 80013-2807
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Feb 6, 2024	Warranty Deed, Transfer TITLE SERVICES CORPORATION
Jun 29, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2024 · Amount on Record
Deed Sale	Feb 6, 2024 · Amount on Record
Prior Sale	Jun 14, 2010 · Amount on Record
Deed Document Number	20249741
Prior Transfer Date	May 6, 2023
Prior Transfer Doc	0000017617
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	128 SUMMIT AVE, WATERLOO, IA 50701-2758
Transaction Type	Mortgage
Record Updated	Feb 23, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SUMMIT AVE, WATERLOO, IA 50701-2758

Mortgage

Document Number	202400005654
Date	Oct 26, 2023
Instrument	202400005654

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	201 Months
Due	Jul 1, 2040

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 6, 2024
Property Address	128 SUMMIT AVE, WATERLOO, IA 50701-2758
Document Number	202400009741
Instrument Date	Jan 2, 2024
Instrument	202400009741
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$115.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3586 S NORFOLK WAY, AURORA, CO 80013-2807

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 29, 2023
Property Address	128 SUMMIT AVE, WATERLOO, IA 50701-2758
Document Number	202300017617
Instrument Date	May 6, 2023
Instrument	202300017617
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7714 N 107TH AVE, OMAHA, NE 68122-1518

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	$2,172.00 (-11.49%)	$106,380 (-5.97%) Land $12,050 Building $94,330	$106,380 (-5.97%) Land $12,050 Building $94,330
2024	$2,454.00 (+17.19%)
2023		$113,140 (+18.65%) Land $12,050 Building $101,090	$113,140 (+18.65%) Land $12,050 Building $101,090
2022	$2,094.00 (+2.75%)	$95,360 Land $12,050 Building $83,310
2021	$2,038.00		$95,360 Land $12,050 Building $83,310

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	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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