614 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 614 Sumner St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 688 sqft · built 1924
Lot Size	0.14 acres (6,106 sqft)
Owner	Company Name on Record
Last Sale	$37,500 (Jul 2015)
Tax Bill	$1,054 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-24-256-005`

Property Details

APN / Parcel Number

Primary APN	`8913-24-256-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	688 sqft Living Area
1st Floor Area	688 sqft
Basement Area	688 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,106 sqft (0.14 acres)
Lot Dimensions	142 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	614 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	6
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 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	614 SUMNER ST, WATERLOO, IA 50703-2850
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY OF WACO
Apr 24, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2015 · Amount on Record
Deed Sale	Jul 24, 2015 · Amount on Record
Deed Document Number	2015201600001576
Prior Transfer Date	Sep 2, 2005
Prior Transfer Doc	2006007879
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 13, 2026
Property Address	614 SUMNER ST, WATERLOO, IA 50703-2850
Document Number	0000004983
Instrument Date	Feb 12, 2026
Instrument	20264983
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 SUMNER ST, WATERLOO, IA 50703-2850

Mortgage

Document Number	0000004983,
Date	Apr 13, 2026
Instrument	20264983

Lender

Name	CITY OF WACO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.06%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 24, 2024
Property Address	614 SUMNER ST, WATERLOO, IA 50703-2850
Document Number	202400013169
Instrument Date	Apr 23, 2024
Instrument	2024-00013169
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	614 SUMNER ST, WATERLOO, IA 50703-2850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 SUMNER ST, WATERLOO, IA 50703-2850

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	$1,054.00 (+15.07%) Homeowner's exemption	$62,490 (+19.23%) Land $5,380 Building $57,110	$62,490 (+19.23%) Land $5,380 Building $57,110
2024	$916.00 (+46.33%)
2023		$52,410 (+40.17%) Land $5,380 Building $47,030	$52,410 (+40.17%) Land $5,380 Building $47,030
2022	$626.00 Homeowner's exemption	$37,390 Land $5,380 Building $32,010
2021			$37,390 Land $5,380 Building $32,010

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.

Nearby Properties on Sumner St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures