612 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 612 Sumner St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1913
Lot Size	0.14 acres (6,106 sqft)
Owner	Individual Name on Record
Last Sale	$21,500 (Nov 2018)
Tax Bill	$1,182 (2025)
Deeds & Mortgages	Jun 2026 Sale Aug 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8913-24-256-004`

Property Details

APN / Parcel Number

Primary APN	`8913-24-256-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,106 sqft (0.14 acres)
Lot Dimensions	142 ft deep x 43 ft wide
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	612 SUMNER ST
City	WATERLOO
State	IA
Zip	50703-2850
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	7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1056
Census Tract	1800

Owner

Source: Black Hawk County records, as of June 30, 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	612 SUMNER ST, WATERLOO, IA 50703-2850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT
Aug 30, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2018 · Amount on Record
Deed Sale	Nov 14, 2018 · Amount on Record
Prior Sale	Aug 30, 2018 · Amount on Record
Deed Document Number	2018201900007705
Record Updated	Sep 20, 2026

June 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 24, 2026
Property Address	612 SUMNER ST, WATERLOO, IA 50703-2850
Document Number	0000009353
Instrument Date	Jun 17, 2026
Instrument	20269353
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 SUMNER ST, WATERLOO, IA 50703-2850

August 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 30, 2018
Property Address	612 SUMNER ST, WATERLOO, IA 50703-2850
Document Number	201900003571
Instrument Date	Aug 22, 2018
Instrument	201900003571
Transaction Type	Foreclosure
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 TAMARACK RD, OWENSBORO, KY 42301-6566
Investor	Possibly a Property Investor

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	$1,182.00	$65,060 (+19.31%) Land $5,380 Building $59,680	$65,060 (+19.31%) Land $5,380 Building $59,680
2024	$1,182.00 (+29.61%)
2023		$54,530 (+31.46%) Land $5,380 Building $49,150	$54,530 (+31.46%) Land $5,380 Building $49,150
2022	$912.00	$41,480 Land $5,380 Building $36,100
2021			$41,480 Land $5,380 Building $36,100

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 · 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

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.

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 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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