646 Summit Ave, Waterloo, IA 50701 Property Records

Black Hawk County property record for 646 Summit Ave, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1943
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$56,500 (Mar 2012)
Tax Bill	$1,806 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Jul 2015 Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`8913-27-404-019`

Property Details

APN / Parcel Number

Primary APN	`8913-27-404-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	728 sqft
Attic	Attic
Attic Area	328 sqft
Basement Area	728 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	646 SUMMIT AVE
City	WATERLOO
State	IA
Zip	50701-2925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TEETERS ADDITION LOT 11 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	27
Legal Subdivision	TEETERS ADDITION
Legal Block	2
Legal Lot Number	11
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 May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	354 IVANHOE RD, WATERLOO, IA 50701-4212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 1, 2015	Deed of Trust, Mortgage · Line of Credit MIDWESTONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2012 · Amount on Record
Deed Sale	Mar 23, 2012 · Amount on Record
Deed Document Number	201217420
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	646 SUMMIT AVE, WATERLOO, IA 50701-2925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SUMMIT AVE, WATERLOO, IA 50701-2925

Mortgage

Document Number	202100018382
Date	Mar 3, 2021
Instrument	202100018382

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	176 Months
Due	Nov 17, 2035

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	646 SUMMIT AVE, WATERLOO, IA 50701-2925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600000126
Date	Jul 1, 2015
Instrument	201600000126

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 5, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,806.00	$92,800 (+11.43%) Land $11,640 Building $81,160	$92,800 (+11.43%) Land $11,640 Building $81,160
2024	$1,806.00 (+27.54%)
2023		$83,280 (+13.52%) Land $11,640 Building $71,640	$83,280 (+13.52%) Land $11,640 Building $71,640
2022	$1,416.00 Homeowner's exemption	$73,360 Land $11,640 Building $61,720
2021			$73,360 Land $11,640 Building $61,720

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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