224 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 224 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,442 sqft · built 1911
Lot Size	0.119 acres (5,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Mar 2022)
Tax Bill	$2,204 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-429-014`

Property Details

APN / Parcel Number

Primary APN	`8913-27-429-014`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,442 sqft Living Area
1st Floor Area	520 sqft
Basement Area	1,000 sqft
Finished Basement	250 sqft
Unfinished Basement	1,000 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,200 sqft (0.119 acres)
Lot Dimensions	130 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	128 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	224 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMIT ADDITION W 40 FT LOT 6 BLK 6
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	SUMMIT ADDITION
Legal Block	6
Legal Lot Number	6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3002
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	2 Individual Names on Record
Mailing Address	224 SUMMIT AVE, WATERLOO, IA 50701-2826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Mar 1, 2022	Legal Action/Court Order, Foreclosure · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Deed Document Number	202217335
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	224 SUMMIT AVE, WATERLOO, IA 50701-2826
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 SUMMIT AVE, WATERLOO, IA 50701-2826

Mortgage

Document Number	202400011808
Date	Mar 28, 2024
Instrument	202400011808

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 27, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	224 SUMMIT AVE, WATERLOO, IA 50701-2826
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 SUMMIT AVE, WATERLOO, IA 50701-2826

Mortgage

Document Number	202200017337
Date	Mar 1, 2022
Instrument	202200017337

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Mar 1, 2029

March 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 1, 2022
Property Address	224 SUMMIT AVE, WATERLOO, IA 50701-2826
Document Number	202200017335
Instrument Date	Feb 28, 2022
Instrument	202200017335
Transaction Type	Foreclosure
Record Updated	Mar 11, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3821 CONVAIR LN, CEDAR FALLS, IA 50613-5539

Mortgage

Document Number	202200017336
Date	Mar 1, 2022
Instrument	202200017336

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	9.62%

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	$2,204.00 (+6.89%) Homeowner's exemption	$118,850 (+12.92%) Land $11,760 Building $107,090	$118,850 (+12.92%) Land $11,760 Building $107,090
2024	$2,062.00 (+1.98%)
2023		$105,250 (+14.28%) Land $11,760 Building $93,490	$105,250 (+14.28%) Land $11,760 Building $93,490
2022	$2,022.00 Homeowner's exemption	$92,100 Land $11,760 Building $80,340
2021			$92,100 Land $11,760 Building $80,340

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 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	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 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.

Nearby Properties on Summit Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures