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440 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 440 Summit Ave, Waterloo, IA 50701 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1963
Square Footage720 sqft Living Area
Lot Size6,210 sqft (0.143 acres)
OccupancyOwner Occupied
Last Sale$109,000 (2022)
Tax Bill$1,936.00 (2025)

Property Details

APN / Parcel Number

Primary APN8913-27-426-015

Interior

Bedrooms2 Beds
Full Baths1 Baths
Total Rooms5 Rooms
Building Area720 sqft Living Area
1st Floor720 sqft 1st Floor
Basement Area720 sqft Basement
Finished Basement300 sqft Finished
Unfinished Basement720 sqft Unfinished
Game RoomGame Room
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Exterior MaterialVinyl Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area6,210 sqft (0.143 acres)
Depth X Width115 ft x 54 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeDetached Garage
Garage Area352 sqft Garage
Patio Area280 sqft Patio
Porch1 Porch
Porch Area280 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address440 SUMMIT AVE
CityWATERLOO
StateIA
Zip50701-2830
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionAUD RAINBOWS WEST SIDE PLAT E 53 FT S 115 FT LOT 26
Legal Range13W
Legal Township89N
Legal Section27
Legal SubdivisionAUD RAINBOWS WEST SIDE PLAT
Legal Lot Number26
JurisdictionBLACK HAWK IA
Minor Civil DivisionWATERLOO
Census Blockgroup1
Census Block1005
Census Tract300

Owner

Source: Black Hawk County records · APN 8913-27-426-015

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 Address440 SUMMIT AVE, WATERLOO, IA 50701-2830
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 01, 2018Deed of Trust, Mortgage
UNIVERSITY OF IOWA CREDIT UNION
Oct 01, 2018Deed of Trust, Mortgage
UNIVERSITY OF IOWA CREDIT UNION
Feb 25, 2022Warranty Deed, Transfer · Conventional Mortgage
US BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 25, 2022 · Amount on Record
Deed SaleFeb 25, 2022 · Amount on Record
Prior SaleJul 08, 2021 · Amount on Record
Deed Doc Number202217130
Prior Transfer DateFeb 24, 2022
Prior Transfer Doc0000017130
Record RefreshedSep 20, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address440 SUMMIT AVE, WATERLOO, IA 50701-2830
Transaction TypeMortgage
Record UpdatedAug 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number201900005396
DateOct 01, 2018
Instrument201900005396
Lender
NameUNIVERSITY OF IOWA CREDIT UNION
Agreement
AmountAmount Recorded
Term351 Months
DueJan 01, 2048

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBLACK HAWK IA
Property Address440 SUMMIT AVE, WATERLOO, IA 50701-2830
Transaction TypeMortgage
Record UpdatedAug 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number201900005395
DateOct 01, 2018
Instrument201900005395
Lender
NameUNIVERSITY OF IOWA CREDIT UNION
Agreement
AmountAmount Recorded
Term351 Months
DueJan 01, 2048

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateFeb 25, 2022
Property Address440 SUMMIT AVE, WATERLOO, IA 50701-2830
Document Number202200017130
Instrument DateFeb 24, 2022
Instrument202200017130
Transaction TypeTransfer
Record UpdatedAug 09, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$173.60
Amount AccuracyRounded Values by County

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 SUMMIT AVE, WATERLOO, IA 50701-2830

Mortgage

Document Number202200017131
DateFeb 25, 2022
Instrument202200017131
Lender
NameUS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

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$1,936.00 Homeowner's exemption$110,960 (+11.57%) Land $15,230 Building $95,730$110,960 (+11.57%) Land $15,230 Building $95,730
2024$1,936.00 (+10.76%)
2023$99,450 (+12.37%) Land $15,230 Building $84,220$99,450 (+12.37%) Land $15,230 Building $84,220
2022$1,748.00 Homeowner's exemption$88,500 Land $15,230 Building $73,270
2021$88,500 Land $15,230 Building $73,270

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 4% of the US · above 28% of Iowa
Wildfire LikelihoodAbout 1 in 8,333 per year
ExposureDirect
burnable vegetation at the parcel

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

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