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315 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 315 Sumner St, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 848 sqft · built 1899
Lot Size0.193 acres (8,400 sqft)
OwnerCompany Name on File
Last Sale$30,000 (Nov 2022)
Tax Bill$860 (2025)
Deeds & MortgagesJun 2023 Mortgage
Nov 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN8913-24-178-015

Property Details

APN / Parcel Number

Primary APN8913-24-178-015

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area848 sqft Living Area
1st Floor Area848 sqft
Basement Area848 sqft
Unfinished Basement848 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1899
Effective Year BuiltEffective 1899
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area8,400 sqft (0.193 acres)
Lot Dimensions140 ft deep x 60 ft wide
PorchPorch
Porch Area65 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address315 SUMNER ST
CityWATERLOO
StateIA
Zip50703-3166
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMMOND & HOPKINS ADDITION LOT 10 BLK 4
Legal Range13W
Legal Township89N
Legal Section24
Legal SubdivisionHAMMOND & HOPKINS ADDITION
Legal Block4
Legal Lot Number10
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1044
Census Tract1800

Owner

Source: Black Hawk County records · APN 8913-24-178-015

Assessment roll updated October 17, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address4307 KINGSTON LOOP, SARASOTA, FL 34238-2631
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jun 07, 2023Deed of Trust, Mortgage · SBA Mortgage
MERIDIAN BANK
Nov 24, 2021Warranty Deed, Transfer · Commercial Mortgage
FIRST BANK
May 25, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 24, 2022 · Amount on Record
Deed SaleNov 24, 2022 · Amount on Record
Prior SaleNov 24, 2021 · Amount on Record
Deed Document Number202211206
Record UpdatedSep 20, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address315 SUMNER ST, WATERLOO, IA 50703-3166
Transaction TypeMortgage
Record UpdatedJun 22, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2310 YORKSHIRE DR, CEDAR FALLS, IA 50613-1653

Mortgage

Document Number202300016389
DateJun 07, 2023
Instrument202300016389
Lender
NameMERIDIAN BANK
TypeBank
AddressMALVERN, PA 19355
Agreement
TypeSBA Mortgage
AmountAmount Recorded

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateNov 24, 2021
Property Address315 SUMNER ST, WATERLOO, IA 50703-3166
Document Number202200011206
Instrument DateNov 24, 2021
Instrument202200011206
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$47.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2310 YORKSHIRE DR, CEDAR FALLS, IA 50613-1653

Mortgage

Document Number202200012380
DateDec 13, 2021
Instrument202200012380
Lender
NameFIRST BANK
TypeBank
AddressCEDAR FALLS, IA 50613
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term359 Months
DueNov 24, 2051
Interest
Rate TypeAdjustable Rate

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateMay 25, 2017
Property Address315 SUMNER ST, WATERLOO, IA 50703-3166
Document Number201700020583
Instrument DateMay 19, 2017
Instrument2017-00020583
Transaction TypeTransfer
Record UpdatedFeb 10, 2022

Transaction

AmountAmount Recorded
Tax$12.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2310 YORKSHIRE DR, CEDAR FALLS, IA 50613-1653

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateIowa
CountyBlack Hawk County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$860.00$46,490 (+17.37%) Land $7,500 Building $38,990$46,490 (+17.37%) Land $7,500 Building $38,990
2024$860.00 (+13.31%)
2023$39,610 (+28.73%) Land $7,500 Building $32,110$39,610 (+28.73%) Land $7,500 Building $32,110
2022$759.00$30,770 Land $7,500 Building $23,270
2021$30,770 Land $7,500 Building $23,270

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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