Black Hawk County property record for 823 Sumner St, Waterloo, IA 50703
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 534 sqft · built 1938 |
| Lot Size | 0.112 acres (4,900 sqft) |
| Owner | Company Name on File |
| Last Sale | $42,000 (Aug 2021) |
| Tax Bill | $1,070 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-24-277-007 |
| Primary APN | 8913-24-277-007 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 534 sqft Living Area |
| 1st Floor Area | 534 sqft |
| Basement Area | 534 sqft |
| Unfinished Basement | 534 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,900 sqft (0.112 acres) |
| Lot Dimensions | 100 ft deep x 49 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 48 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 823 SUMNER ST |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50703-3253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSE HILL FIRST ADDITION E 1/2 W 2/3 LOT 5 BLK 8 E 1/2 W 2/3 LOT 6 BLK 8 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 24 |
| Legal Subdivision | ROSE HILL FIRST ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 5,6 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 1800 |
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 File |
|---|---|
| Mailing Address | 1855 PINEHURST LN, WATERLOO, IA 50701-4528 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on File |
| Deed Sale | Aug 27, 2021 · Amount on File |
| Prior Sale | Aug 27, 2020 · Amount on File |
| Deed Document Number | 20214321 |
| Last Transfer Date | Aug 31, 2021 |
| Transfer Doc | 0000004924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 823 SUMNER ST, WATERLOO, IA 50703-3253 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1855 PINEHURST LN, WATERLOO, IA 50701-4528 |
| Document Number | 202200003363 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 202200003363 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 29, 2051 |
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 | $1,070.00 (+20.5%) | $52,470 (+28.16%) Land $6,900 Building $45,570 | $52,470 (+28.16%) Land $6,900 Building $45,570 |
| 2024 | $888.00 (+22.65%) | ||
| 2023 | $40,940 (+24.36%) Land $6,900 Building $34,040 | $40,940 (+24.36%) Land $6,900 Building $34,040 | |
| 2022 | $724.00 | $32,920 Land $6,900 Building $26,020 | |
| 2021 | $32,920 Land $6,900 Building $26,020 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 98.1% 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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