215 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 215 Sumner St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,491 sqft · built 1919
Lot Size	0.324 acres (14,100 sqft)
Owner	Company Name on Record
Last Sale	$810,000 (Feb 2024)
Tax Bill	$1,622 (2025)
Deeds & Mortgages	Feb 2024 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-24-177-021`

Property Details

APN / Parcel Number

Primary APN	`8913-24-177-021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,491 sqft Living Area
1st Floor Area	962 sqft
Attic	Attic
Attic Area	529 sqft
Basement Area	962 sqft
Unfinished Basement	962 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,100 sqft (0.324 acres)
Lot Dimensions	141 ft deep x 100 ft wide

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Shed	1 Shed
Shed Area	70 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	215 SUMNER ST
City	WATERLOO
State	IA
Zip	50703-3147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOND & HOPKINS ADDITION LOT 8 BLK 3 W 40 FT LOT 9 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HAMMOND & HOPKINS ADDITION
Legal Block	3
Legal Lot Number	8,9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1033
Census Tract	1800

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	2343 LOGAN AVE, WATERLOO, IA 50703-1009
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2024 · Amount on Record
Deed Sale	Feb 9, 2024 · Amount on Record
Prior Sale	Mar 5, 2007 · Amount on Record
Deed Document Number	20249913
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 9, 2024
Property Address	215 SUMNER ST, WATERLOO, IA 50703-3147
Document Number	202400009913
Instrument Date	Jan 26, 2024
Instrument	202400009913
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2343 LOGAN AVE, WATERLOO, IA 50703-1009
Investor	Possibly a Property Investor

Mortgage

Document Number	202400009914
Date	Feb 9, 2024
Instrument	202400009914

Lender

Name	DENVER SAVINGS BANK
Type	Bank
Address	121 S STATE ST, DENVER, IA 50622

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2054

Interest

Change Frequency	Monthly

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	$1,622.00 (+9.45%)	$79,510 (+16.36%) Land $11,250 Building $68,260	$79,510 (+16.36%) Land $11,250 Building $68,260
2024	$1,482.00 (+29.32%)
2023		$68,330 (+30.88%) Land $11,250 Building $57,080	$68,330 (+30.88%) Land $11,250 Building $57,080
2022	$1,146.00	$52,210 Land $11,250 Building $40,960
2021			$52,210 Land $11,250 Building $40,960

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink, T-Mobile.

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