914 Sumner St, Waterloo, IA 50703 Property Records

Black Hawk County property record for 914 Sumner St, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1914
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$32,000 (Jul 2008)
Tax Bill	$1,778 (2025)
Deeds & Mortgages	May 2020 Line of Credit Aug 2021 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`8913-24-281-002`

Property Details

APN / Parcel Number

Primary APN	`8913-24-281-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	936 sqft
Basement Area	1,196 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	208 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	914 SUMNER ST
City	WATERLOO
State	IA
Zip	50703-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSE HILL FIRST ADDITION LOT 8 BLK 10
Legal Range	13W
Legal Township	89N
Legal Section	24
Legal Subdivision	ROSE HILL FIRST ADDITION
Legal Block	10
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1046
Census Tract	1800

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	Individual Name on Record
Mailing Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit UNITE CU
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 5, 2008	Deed of Trust, Mortgage VERIDIAN CU
Mar 24, 2008	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY NATIONAL BANK
Jul 1, 2013	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY NATIONAL BANK
May 20, 2026	Deed of Trust, Mortgage · Line of Credit UNITED CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2008 · Amount on Record
Deed Sale	Jul 15, 2008 · Amount on Record
Deed Document Number	20082009001083
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000020279
Date	May 20, 2020
Instrument	202000020279

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	May 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 SUMNER ST, WATERLOO, IA 50703-3360

Mortgage

Document Number	202200002917
Date	Aug 9, 2021
Instrument	202200002917

Lender

Name	UNITE CU
Type	Credit Union
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Jun 11, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 SUMNER ST, WATERLOO, IA 50703-3360

Mortgage

Document Number	202200018549
Date	Mar 22, 2022
Instrument	202200018549

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 SUMNER ST, WATERLOO, IA 50703-3360

Mortgage

Document Number	0202516411
Date	Nov 7, 2025
Instrument	2025-16411

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	PO BOX 6000, WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009009270
Date	Nov 5, 2008
Instrument	2009009270

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 20, 2018

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008018581
Date	Mar 24, 2008
Instrument	2008018581

Lender

Name	COMMUNITY NATIONAL BANK
Type	Bank
Address	WATERLOO, IA 50704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014000075
Date	Jul 1, 2013
Instrument	2014000075

Lender

Name	COMMUNITY NATIONAL BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2043

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	May 20, 2026
Property Address	914 SUMNER ST, WATERLOO, IA 50703-3360
Document Number	0000007296
Instrument Date	May 18, 2026
Instrument	20267296
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 SUMNER ST, WATERLOO, IA 50703-3360

Mortgage

Document Number	0000007296,
Date	May 20, 2026
Instrument	20267296

Lender

Name	UNITED CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

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	$1,778.00 (+33.68%) Homeowner's exemption	$112,630 (+32.18%) Land $8,000 Building $104,630	$112,630 (+32.18%) Land $8,000 Building $104,630
2024	$1,330.00 (+7.95%)
2023		$85,210 (+31.11%) Land $8,000 Building $77,210	$85,210 (+31.11%) Land $8,000 Building $77,210
2022	$1,232.00 Homeowner's exemption	$64,990 Land $8,000 Building $56,990
2021			$64,990 Land $8,000 Building $56,990

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 · 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

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.

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 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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