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623 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 623 Sumner St, Waterloo, IA 50703 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,344 sqft · built 1912
Lot Size0.14 acres (6,106 sqft)
Owner2 Individual Names on File
Last Sale$48,000 (Dec 2021)
Tax Bill$1,082 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8913-24-253-012

Property Details

APN / Parcel Number

Primary APN8913-24-253-012

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,344 sqft Living Area
1st Floor Area672 sqft
Basement Area672 sqft
Unfinished Basement672 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1912
Effective Year BuiltEffective 1912
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area6,106 sqft (0.14 acres)
Lot Dimensions142 ft deep x 43 ft wide
PorchPorch
Porch Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address623 SUMNER ST
CityWATERLOO
StateIA
Zip50703-2849
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOWREY & 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 Range13W
Legal Township89N
Legal Section24
Legal SubdivisionHOWREY & MCWILLIAMS REPLAT
Legal Block2-5
Legal Lot Number16
JurisdictionBLACK HAWK IA
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1057
Census Tract1800

Owner

Source: Black Hawk County records · APN 8913-24-253-012

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 Record2 Individual Names on File
Mailing Address2534 EDGEMONT AVE, WATERLOO, IA 50702-5227
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 27, 2021 · Amount on Record
Deed SaleDec 27, 2021 · Amount on Record
Prior SaleJun 07, 2006
Deed Document Number2021202200013156
Record UpdatedSep 20, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBLACK HAWK IA
Recording DateDec 27, 2021
Property Address623 SUMNER ST, WATERLOO, IA 50703-2849
Document Number202200013156
Instrument DateDec 06, 2021
Instrument202200013156
Transaction TypeTransfer
Record UpdatedJan 07, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$76.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address623 SUMNER ST, WATERLOO, IA 50703-2849

Mortgage

Document Number202200013157
DateDec 27, 2021
Instrument202200013157
Lender
NameGREENSTATE CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 05, 2052
Interest
Rate TypeAdjustable Rate
Rate3.62%
Type Change DateJan 05, 2032
Change FrequencyAnnually
Min Rate At Change5%
Max Rate At Change5.62%
Index1-Year CMT
Max Rate9.62%

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$1,082.00$59,460 (+19.11%) Land $5,380 Building $54,080$59,460 (+19.11%) Land $5,380 Building $54,080
2024$1,082.00 (+20.49%)
2023$49,920 (+22.17%) Land $5,380 Building $44,540$49,920 (+22.17%) Land $5,380 Building $44,540
2022$898.00 Homeowner's exemption$40,860 Land $5,380 Building $35,480
2021$40,860 Land $5,380 Building $35,480

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130018001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 261 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: T-Mobile USA, AMG Technology Investment Group, Mediacom Communications, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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