Black Hawk County property record for 518 Sumner St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,447 sqft · built 1909 |
| Lot Size | 0.143 acres (6,248 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $132 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-255-005 |
| Primary APN | 8913-24-255-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,447 sqft Living Area |
| 1st Floor Area | 998 sqft |
| Attic | Attic |
| Attic Area | 449 sqft |
| Basement Area | 998 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,248 sqft (0.143 acres) |
| Lot Dimensions | 142 ft deep x 44 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 304 sqft |
| Patio Area | 28 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 518 SUMNER ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-2806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWREY & MCWILLIAMS REPLAT OF BLOCKS 2,3 AND THE N 1/2 OF BLK 4 AND THE E 355.43 FT OF THE N 1/2 OF BLK 5 HOWREY AND |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | HOWREY & MCWILLIAMS REPLAT |
| Legal Block | 2-5 |
| Legal Lot Number | 6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 1800 |
518 Sumner St is owned and occupied by an individual.
Source: Black Hawk County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 SUMNER ST, WATERLOO, IA 50703-2806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 518 Sumner St was $132 with exemptions applied, up 17.9% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $132.00 (+17.86%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $57,670 Land $5,500 Building $52,170 | $57,670 Land $5,500 Building $52,170 |
| 2024 | $112.00 | ||
| 2023 | $48,460 (+39.65%) Land $5,500 Building $42,960 | $48,460 Land $5,500 Building $42,960 | |
| 2022 | $116.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $34,700 Land $5,500 Building $29,200 | |
| 2021 | $34,700 Land $5,500 Building $29,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 Sumner St in Zone X, an area of minimal flood risk.
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 risk around 518 Sumner St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink, T-Mobile.
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