325 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 325 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 962 sqft · built 1916
Lot Size	0.141 acres (6,160 sqft)
Owner	Company Name on Record
Last Sale	$40,000 (Nov 2019)
Tax Bill	$1,784 (2025)
Deeds & Mortgages	Dec 2019 Refinance Oct 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`8913-27-431-006`

Property Details

APN / Parcel Number

Primary APN	`8913-27-431-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	962 sqft Living Area
1st Floor Area	520 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,160 sqft (0.141 acres)
Lot Dimensions	140 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	162 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	325 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 W 88 FT N 140 FT OF LOT 28
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	AUD FRANCIS WEST SIDE PLAT
Legal Lot Number	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 May 27, 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	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION
Oct 27, 2021	Warranty Deed, Transfer
Jan 11, 2021	Intrafamily Transfer, Transfer · Line of Credit PEOPLES SAVINGS BANK
Nov 14, 2019	Warranty Deed, Transfer
Oct 1, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Document Number	2019202000008995
Last Transfer Date	Jan 23, 2025
Transfer Doc	0202501090
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20202000010772
Date	Dec 13, 2019
Instrument	20202000010772

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 27, 2021
Property Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	202200009065
Instrument Date	Oct 26, 2021
Instrument	202200009065
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$59.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	Jan 11, 2021
Property Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	202100014597
Instrument Date	Jan 7, 2021
Instrument	202100014597
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827

Mortgage

Document Number	202100014598
Date	Jan 11, 2021
Instrument	202100014598

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 4, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 14, 2019
Property Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	202000008995
Instrument Date	Nov 13, 2019
Instrument	202000008995
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Investor	Possibly a Property Investor

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 1, 2019
Property Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	202000006061
Instrument Date	Sep 25, 2019
Instrument	202000006061
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SUMMIT AVE, WATERLOO, IA 50701-2827
Investor	Possibly a Property Investor

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	$1,784.00	$92,210 (+12.16%) Land $13,200 Building $79,010	$92,210 (+12.16%) Land $13,200 Building $79,010
2024	$1,784.00 (+9.18%)
2023		$82,210 (+10.44%) Land $13,200 Building $69,010	$82,210 (+10.44%) Land $13,200 Building $69,010
2022	$1,634.00	$74,440 Land $13,200 Building $61,240
2021			$74,440 Land $13,200 Building $61,240

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