145 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 145 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 972 sqft · built 1901
Lot Size	0.122 acres (5,330 sqft)
Owner	Company Name on Record
Tax Bill	$2,148 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-433-003`

Property Details

APN / Parcel Number

Primary APN	`8913-27-433-003`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
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	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	216 sqft
Deck Area	231 sqft
Patio Area	231 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	145 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JENKS AND MCQUILKINS SUBDIV LOT 15
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	JENKS AND MCQUILKINS SUBDIV
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3004
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	Company Name on Record
Mailing Address	145 SUMMIT AVE, WATERLOO, IA 50701-2757
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit CEDAR FALLS COMMUNITY CU
Apr 24, 2017	Deed of Trust, Mortgage CEDAR FALLS COMMUNITY CU
Apr 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage CEDAR FALLS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 13, 2006
Transfer Doc	2007008959
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	145 SUMMIT AVE, WATERLOO, IA 50701-2757
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1445 MEADOW LN, WATERLOO, IA 50701-4614

Mortgage

Document Number	202300009418
Date	Dec 21, 2022
Instrument	202300009418

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 15, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	145 SUMMIT AVE, WATERLOO, IA 50701-2757
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018519
Date	Apr 24, 2017
Instrument	2017-00018519

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Amount	Amount Recorded
Term	67 Months
Due	Nov 1, 2022

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	145 SUMMIT AVE, WATERLOO, IA 50701-2757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700018518
Date	Apr 24, 2017
Instrument	2017-00018518

Lender

Name	CEDAR FALLS COMMUNITY CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	67 Months
Due	Nov 1, 2022

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	$2,148.00 (+5.92%)	$105,270 (+12.6%) Land $12,050 Building $93,220	$105,270 (+12.6%) Land $12,050 Building $93,220
2024	$2,028.00 (+10.46%)
2023		$93,490 (+11.78%) Land $12,050 Building $81,440	$93,490 (+11.78%) Land $12,050 Building $81,440
2022	$1,836.00	$83,640 Land $12,050 Building $71,590
2021			$83,640 Land $12,050 Building $71,590

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 690 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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