636 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 636 Sumner St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,076 sqft · built 1913
Lot Size	0.14 acres (6,106 sqft)
Owner	Company Name on Record
Last Sale	$8,000 (Oct 2017)
Tax Bill	$1,364 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`8913-24-256-009`

Property Details

APN / Parcel Number

Primary APN	`8913-24-256-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,076 sqft Living Area
1st Floor Area	1,076 sqft
Basement Area	1,076 sqft
Unfinished Basement	1,076 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
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
Porch	Slab
Porch Area	148 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	636 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	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 1056, WATERLOO, IA 50704-1056
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2017	Deed of Trust, Mortgage FARMERS STATE BANK
Oct 5, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2017 · Amount on Record
Deed Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	20172018-00006103
Prior Transfer Date	Sep 28, 2016
Prior Transfer Doc	201700009117
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	636 SUMNER ST, WATERLOO, IA 50703-2850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800010951
Date	Dec 27, 2017
Instrument	2018-00010951

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2047

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 5, 2017
Property Address	636 SUMNER ST, WATERLOO, IA 50703-2850
Document Number	201800006103
Instrument Date	Oct 3, 2017
Instrument	2018-00006103
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Tax	$12.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 E DUNKERTON RD, WATERLOO, IA 50703-9275
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	$1,364.00 (+12.17%)	$66,880 (+19.36%) Land $5,380 Building $61,500	$66,880 (+19.36%) Land $5,380 Building $61,500
2024	$1,216.00 (+29.91%)
2023		$56,030 (+31.37%) Land $5,380 Building $50,650	$56,030 (+31.37%) Land $5,380 Building $50,650
2022	$936.00	$42,650 Land $5,380 Building $37,270
2021			$42,650 Land $5,380 Building $37,270

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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