319 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 319 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,418 sqft · built 1920
Lot Size	0.177 acres (7,724 sqft)
Owner	Company Name on Record
Last Sale	$37,000 (Oct 2018)
Tax Bill	$2,838 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-431-026`

Property Details

APN / Parcel Number

Primary APN	`8913-27-431-026`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
1st Floor Area	834 sqft
Basement Area	834 sqft
Finished Basement	400 sqft
Unfinished Basement	834 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,724 sqft (0.177 acres)
Lot Dimensions	161 ft deep x 44 ft wide

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	120 sqft
Patio Area	80 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	319 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AUD FRANCIS WEST SIDE PLAT E 44 FT N 161 FT LOT 28 AND W 16 FT LOT 27
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	AUD FRANCIS WEST SIDE PLAT
Legal Lot Number	27,28
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2001
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	6 FOSTER DR, DES MOINES, IA 50312-2563
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage FNNB BANK
Mar 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Oct 15, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 15, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	2018201900006114
Prior Transfer Date	Jul 3, 2018
Prior Transfer Doc	201900006114
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 1, 2026
Property Address	319 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	0000006162
Instrument Date	Apr 22, 2026
Instrument	20266162
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000006162,
Date	May 1, 2026
Instrument	20266162

Lender

Name	FNNB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	319 SUMMIT AVE, WATERLOO, IA 50701-2827
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900013518
Date	Mar 11, 2019
Instrument	201900013518

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 15, 2018
Property Address	319 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	201900006114
Instrument Date	Jul 3, 2018
Instrument	201900006114
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 FOSTER DR, DES MOINES, IA 50312-2563

October 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 15, 2018
Property Address	319 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	201900006113
Instrument Date	Jun 27, 2018
Instrument	201900006113
Transaction Type	Foreclosure
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 N CENTER ST, LAKE CITY, IA 51449-1703

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	$2,838.00 (+5.27%)	$139,090 (+11.94%) Land $15,890 Building $123,200	$139,090 (+11.94%) Land $15,890 Building $123,200
2024	$2,696.00 (+44.64%)
2023		$124,250 (+46.45%) Land $15,890 Building $108,360	$124,250 (+46.45%) Land $15,890 Building $108,360
2022	$1,864.00	$84,840 Land $11,920 Building $72,920
2021			$84,840 Land $11,920 Building $72,920

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.

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