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400 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 400 Summit Ave, Waterloo, IA 50701

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 840 sqft · built 1938
Lot Size0.259 acres (11,264 sqft)
OwnerIndividual Name on File
Last Sale$100,000 (Nov 2022)
Tax Bill$1,904 (2025)
Deeds & MortgagesApr 2026 Mortgage
Nov 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN8913-27-426-012

Property Details

APN / Parcel Number

Primary APN8913-27-426-012

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area840 sqft Living Area
1st Floor Area672 sqft
AtticAttic
Attic Area168 sqft
Basement Area672 sqft
Finished Basement130 sqft
Unfinished Basement672 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 1938
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area11,264 sqft (0.259 acres)
Lot Dimensions88 ft deep x 128 ft wide
Garage TypeDetached
Garage Area360 sqft
Parking Spaces1 Parking Space
PorchPorch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address400 SUMMIT AVE
CityWATERLOO
StateIA
Zip50701-2830
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPROSPECT HEIGHTS ADDITION LOT 13 BLK 4 LOT 14 BLK 4
Legal Range13W
Legal Township89N
Legal Section27
Legal SubdivisionPROSPECT HEIGHTS ADDITION
Legal Block4
Legal Lot Number13,14
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1005
Census Tract300

Owner

Source: Black Hawk County records · APN 8913-27-426-012

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 RecordIndividual Name on File
Mailing Address400 SUMMIT AVE, WATERLOO, IA 50701-2830
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Nov 15, 2021Warranty Deed, Transfer · Conventional Mortgage
VERIDIAN CU
Mar 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
GREENSTATE CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 15, 2022 · Amount on Record
Deed SaleNov 15, 2022 · Amount on Record
Prior SaleNov 15, 2021 · Amount on Record
Deed Document Number202210427
Prior Transfer DateJan 10, 2020
Prior Transfer Doc0000012716
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Recording DateApr 10, 2026
Property Address400 SUMMIT AVE, WATERLOO, IA 50701-2830
Document Number0000004946
Instrument DateApr 04, 2026
Instrument20264946
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 SUMMIT AVE, WATERLOO, IA 50701-2830

Mortgage

Document Number0000004946,
DateApr 10, 2026
Instrument20264946
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMay 01, 2046
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateNov 15, 2021
Property Address400 SUMMIT AVE, WATERLOO, IA 50701-2830
Document Number202200010427
Instrument DateNov 12, 2021
Instrument202200010427
Transaction TypeTransfer
Record UpdatedNov 26, 2021
Title CompanyTITLE SERVICES

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$159.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 SUMMIT AVE, WATERLOO, IA 50701-2830

Mortgage

Document Number202200010428
DateNov 15, 2021
Instrument202200010428
Lender
NameVERIDIAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051
Interest
Rate TypeAdjustable Rate
Rate3.87%
Type Change DateDec 01, 2031
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change5.87%
Index1-Year CMT
Max Rate9.87%

Mortgage

Document Number202200010429
DateNov 15, 2021
Instrument202200010429
Lender
NameVERIDIAN CU
TypeCredit Union
AddressWATERLOO, IA 50701
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term121 Months
DueDec 01, 2031

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address400 SUMMIT AVE, WATERLOO, IA 50701-2830
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202000015602
DateMar 11, 2020
Instrument202000015602
Lender
NameGREENSTATE CU
TypeCredit Union
AddressNORTH LIBERTY, IA 52317
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 05, 2050

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$1,904.00 Homeowner's exemption$107,610 (+9.79%) Land $26,770 Building $80,840$107,610 (+9.79%) Land $26,770 Building $80,840
2024$1,904.00 (+11.61%)
2023$98,010 (+13.25%) Land $26,770 Building $71,240$98,010 (+13.25%) Land $26,770 Building $71,240
2022$1,706.00 Homeowner's exemption$86,540 Land $26,770 Building $59,770
2021$86,540 Land $26,770 Building $59,770

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Waterloo Telecommunications Utility
Fiber		10,000 / 10,000
Metronet Holdings
Fiber		5,120 / 5,120
Mediacom Communications
Cable · Fiber in parts of the area		1,000 / 50
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.

Based on FCC filings for 690 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWATERLOO WATER WORKS
serves 69,504 people
Water SourceGroundwater
Last State InspectionNov 2023
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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