Black Hawk County property record for 522 Sumner St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,762 sqft · built 1911 |
| Lot Size | 0.143 acres (6,248 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,144 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-255-006 |
| Primary APN | 8913-24-255-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,762 sqft Living Area |
| 1st Floor Area | 1,215 sqft |
| Attic | Attic |
| Attic Area | 547 sqft |
| Basement Area | 1,215 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Aluminum Siding |
| 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 |
| Porch | Porch |
| Porch Area | 192 sqft |
| Patio Area | 170 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 522 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 | 5 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 1800 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 436 LESTER ST, WATERLOO, IA 50703-2632 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $1,144.00 (-53.04%) Homeowner's exemption | $81,550 (+19.7%) Land $5,500 Building $76,050 | $81,550 (+19.7%) Land $5,500 Building $76,050 |
| 2024 | $2,436.00 (+169.47%) | ||
| 2023 | $68,130 (+36.18%) Land $5,500 Building $62,630 | $68,130 (+36.18%) Land $5,500 Building $62,630 | |
| 2022 | $904.00 Homeowner's exemption | $50,030 Land $5,500 Building $44,530 | |
| 2021 | $50,030 Land $5,500 Building $44,530 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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