Black Hawk County property record for 638 Sumner St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1910 |
| Lot Size | 0.14 acres (6,106 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,000 (Apr 2006) |
| Tax Bill | $1,090 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-256-010 |
| Primary APN | 8913-24-256-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Game Room | Game Room |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| 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 | Porch |
| Porch Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 638 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 | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 1800 |
638 Sumner St is owned and occupied by two individuals who bought it in April 2006.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 638 SUMNER ST, WATERLOO, IA 50703-2850 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2006 · Amount on File |
| Deed Sale | Apr 11, 2006 · Amount on File |
| Prior Sale | Apr 11, 2006 · Amount on File |
| Deed Document Number | 200624552 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 638 Sumner St was $1,090 with a homeowner's exemption, up 15% from the year before.
Source: Black Hawk County assessment roll, as of October 17, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,090.00 (+14.98%) Homeowner's exemption | $64,330 Land $5,380 Building $58,950 | $64,330 Land $5,380 Building $58,950 |
| 2024 | $948.00 | ||
| 2023 | $53,920 (+31.74%) Land $5,380 Building $48,540 | $53,920 Land $5,380 Building $48,540 | |
| 2022 | $704.00 Homeowner's exemption | $40,930 Land $5,380 Building $35,550 | |
| 2021 | $40,930 Land $5,380 Building $35,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Sumner St in Zone X, an area of minimal flood risk.
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 risk around 638 Sumner St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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