324 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 324 Sumner St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,011 sqft · built 1899
Lot Size	0.193 acres (8,400 sqft)
Owner	Company Name on Record
Last Sale	$66,500 (May 2026)
Tax Bill	$1,322 (2025)
Deeds & Mortgages	Nov 2006 Mortgage May 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-181-006`

Property Details

APN / Parcel Number

Primary APN	`8913-24-181-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,011 sqft Living Area
1st Floor Area	1,011 sqft
Basement Area	1,011 sqft
Finished Basement	360 sqft
Unfinished Basement	1,011 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Porch	Slab
Porch Area	156 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	324 SUMNER ST
City	WATERLOO
State	IA
Zip	50703-3167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOND & HOPKINS ADDITION LOT 3 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	HAMMOND & HOPKINS ADDITION
Legal Block	5
Legal Lot Number	3
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1030
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	1415 OLESON RD, 1, WATERLOO, IA 50702-4283
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2006	Deed of Trust, Mortgage COMMUNITY DEVELOPMENT BOARD
May 5, 2026	Warranty Deed, Transfer BLACK HAWK COUNTY ABSTRACT
Sep 28, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Nov 17, 2004 · Amount on Record
Deed Document Number	20266424
Prior Transfer Date	Sep 20, 2023
Prior Transfer Doc	0000004384
Record Updated	Oct 29, 2026

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	324 SUMNER ST, WATERLOO, IA 50703-3167
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007011093
Date	Nov 14, 2006
Instrument	2007011093

Lender

Name	COMMUNITY DEVELOPMENT BOARD
Address	WATERLOO, IA 50703

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 31, 2011

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 5, 2026
Property Address	324 SUMNER ST, WATERLOO, IA 50703-3167
Document Number	0000006424
Instrument Date	May 4, 2026
Instrument	2026.6424
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$10,665.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 28, 2023
Property Address	324 SUMNER ST, WATERLOO, IA 50703-3167
Document Number	202400004384
Instrument Date	Sep 18, 2023
Instrument	202400004384
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5353 32ND AVE, CENTER POINT, IA 52213-9237

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 4, 2022
Property Address	324 SUMNER ST, WATERLOO, IA 50703-3167
Document Number	202200015887
Instrument Date	Jan 24, 2022
Instrument	202200015887
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY FIRST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	324 SUMNER ST, WATERLOO, IA 50703-3167

Mortgage

Document Number	202200015888
Date	Feb 4, 2022
Instrument	202200015888

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$1,322.00 (+11.47%)	$64,790 (+18.49%) Land $7,500 Building $57,290	$64,790 (+18.49%) Land $7,500 Building $57,290
2024	$1,186.00 (+29.48%)
2023		$54,680 (+31.06%) Land $7,500 Building $47,180	$54,680 (+31.06%) Land $7,500 Building $47,180
2022	$916.00 Homeowner's exemption	$41,720 Land $7,500 Building $34,220
2021			$41,720 Land $7,500 Building $34,220

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 · 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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