638 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 638 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 864 sqft · built 1957
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (May 2024)
Tax Bill	$2,454 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-404-018`

Property Details

APN / Parcel Number

Primary APN	`8913-27-404-018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	500 sqft
Unfinished Basement	864 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Patio Area	366 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	638 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TEETERS ADDITION W 28 FT LOT 9 BLK 2 LOT 10 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	TEETERS ADDITION
Legal Block	2
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	300

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	2 Individual Names on Record
Mailing Address	638 SUMMIT AVE, WATERLOO, IA 50701-2925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 13, 2024	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Apr 22, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	Apr 22, 2022 · Amount on Record
Deed Document Number	202414156
Prior Transfer Date	Apr 9, 2007
Prior Transfer Doc	2007021347
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 13, 2024
Property Address	638 SUMMIT AVE, WATERLOO, IA 50701-2925
Document Number	0202414156
Instrument Date	May 10, 2024
Instrument	2024-14156
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	638 SUMMIT AVE, WATERLOO, IA 50701-2925

Mortgage

Document Number	0202414157
Date	May 13, 2024
Instrument	2024-14157

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 22, 2022
Property Address	638 SUMMIT AVE, WATERLOO, IA 50701-2925
Document Number	202200020544
Instrument Date	Apr 21, 2022
Instrument	202200020544
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 SUMMIT AVE, WATERLOO, IA 50701-2925

Mortgage

Document Number	202200020545
Date	Apr 22, 2022
Instrument	202200020545

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$2,454.00 (+5.05%) Homeowner's exemption	$131,130 (+11.22%) Land $20,370 Building $110,760	$131,130 (+11.22%) Land $20,370 Building $110,760
2024	$2,336.00 (+24.39%)
2023		$117,900 (+24.91%) Land $20,370 Building $97,530	$117,900 (+24.91%) Land $20,370 Building $97,530
2022	$1,878.00 Homeowner's exemption	$94,390 Land $20,370 Building $74,020
2021			$94,390 Land $20,370 Building $74,020

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

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 690 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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