327 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 327 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,043 sqft · built 1920
Lot Size	0.141 acres (6,160 sqft)
Owner	Individual Name on Record
Last Sale	$57,500 (Feb 2023)
Tax Bill	$1,976 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-27-431-005`

Property Details

APN / Parcel Number

Primary APN	`8913-27-431-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
1st Floor Area	834 sqft
Attic	Attic
Attic Area	209 sqft
Basement Area	834 sqft
Unfinished Basement	834 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
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
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	327 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 W 44 FT N 140 FT 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 September 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	327 SUMMIT AVE, WATERLOO, IA 50701-2827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Feb 27, 2023	Warranty Deed, Transfer TITLE SERVICES CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2023 · Amount on Record
Deed Sale	Feb 27, 2023 · Amount on Record
Prior Sale	Feb 27, 2023 · Amount on Record
Deed Document Number	202311780
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 27, 2023
Property Address	327 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	202300011780
Instrument Date	Feb 22, 2023
Instrument	202300011780
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SUMMIT AVE, WATERLOO, IA 50701-2827

Mortgage

Document Number	202300011781
Date	Feb 27, 2023
Instrument	202300011781

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Mar 1, 2030
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

Mortgage

Document Number	202300011782
Date	Feb 27, 2023
Instrument	202300011782

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Mar 1, 2030

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 27, 2023
Property Address	327 SUMMIT AVE, WATERLOO, IA 50701-2827
Document Number	202300011779
Instrument Date	Feb 14, 2023
Instrument	202300011779
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Tax	$79.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SUMMIT AVE, WATERLOO, IA 50701-2827

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	$1,976.00 (+4.44%)	$96,840 (+15.12%) Land $13,200 Building $83,640	$96,840 (+15.12%) Land $13,200 Building $83,640
2024	$1,892.00 (+13.02%)
2023		$84,120 Land $13,200 Building $70,920	$84,120 Land $13,200 Building $70,920
2022	$1,674.00

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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