Black Hawk County property record for 645 Summit Ave, Waterloo, IA 50701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 971 sqft · built 1928 |
| Lot Size | 0.135 acres (5,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (Mar 2017) |
| Tax Bill | $1,512 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 8913-27-405-007 |
| Primary APN | 8913-27-405-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 971 sqft Living Area |
| 1st Floor Area | 660 sqft |
| Attic | Attic |
| Attic Area | 231 sqft |
| Basement Area | 660 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,900 sqft (0.135 acres) |
| Lot Dimensions | 118 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 80 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 645 SUMMIT AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50701-2924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AUD FRANCIS WEST SIDE PLAT E 50 FT W 100 FT LOT 41 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 27 |
| Legal Subdivision | AUD FRANCIS WEST SIDE PLAT |
| Legal Lot Number | 41 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1400 |
Source: Black Hawk County assessment roll, as of October 17, 2025
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 File |
|---|---|
| Mailing Address | 645 SUMMIT AVE, WATERLOO, IA 50701-2924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 7, 2017 · Amount on Record |
| Deed Sale | Mar 7, 2017 · Amount on Record |
| Deed Document Number | 201715574 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 645 SUMMIT AVE, WATERLOO, IA 50701-2924 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201700015575 |
|---|---|
| Date | Mar 7, 2017 |
| Instrument | 2017-00015575 |
| Name | PEOPLES SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | DIKE, IA 50624 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,512.00 Homeowner's exemption | $88,690 (+10.97%) Land $14,100 Building $74,590 | $88,690 (+10.97%) Land $14,100 Building $74,590 |
| 2024 | $1,512.00 (+13%) | ||
| 2023 | $79,920 (+14.5%) Land $14,100 Building $65,820 | $79,920 (+14.5%) Land $14,100 Building $65,820 | |
| 2022 | $1,338.00 Homeowner's exemption | $69,800 Land $14,100 Building $55,700 | |
| 2021 | $69,800 Land $14,100 Building $55,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 |
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 690 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
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