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Single Family ResidenceResidential
$106,040$100 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 77How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $56,500 on Mar 23, 2012

646 SUMMIT AVE

WATERLOO, IA 50701
3
Beds
1
Baths
1,056 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1943
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$106K
$81K low$131K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$56,500 · Mar 23, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,894 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$92,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,640
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$81,160
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$83,280
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$92,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.27 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBLACK HAWK
Lot (acres)The size of the land the home sits on, from county records.0.12
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Kingsley Elementary SchoolB
Elementary · Grades KG–5 · 0.7 mi
H
Waterloo West High SchoolD
High · Grades 9–12 · 1.5 mi
M
Hoover Middle SchoolC-
Middle · Grades 6–8 · 1.7 mi

District: Waterloo Community School District

Neighborhood · ZIP 50701These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.30,091
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.444 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,009
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,898
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

646 Summit Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Waterloo 50701
  • Costs less per square foot than 87% of homes in Waterloo 50701
  • Has a smaller lot than 84% of homes in Black Hawk County
  • Older than 78% of homes in Waterloo 50701

What homes are worth in Waterloo 50701

Each bar is how many homes fall in that price range. The marker is this home.

This home
$48K$554K

This home is worth more than 17% of homes in Waterloo 50701.

How it measures up in Waterloo 50701

The dot is this home. The mark in the middle is the typical home in Waterloo 50701.

Estimated value$106,040
CheaperTypical $207,561Pricier

Pricier than 17% of homes nearby

Price per ft²$100
CheaperTypical $170Pricier

Pricier than 13% of homes nearby

Living area1,056 ft²
SmallerTypical 1,192 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.11 ac
SmallerTypical 0.19 acBigger

Bigger than 22% of homes nearby

Year built1943
OlderTypical 1966Newer

Newer than 22% of homes nearby

How 646 Summit Ave ranks against every home in each area.
MeasureThis homeNeighbors Who CareWaterloo 50701Black Hawk County
Estimated valuepricier than$106,04048% of homes17% of homes18% of homes
Price per ft²pricier than$10050% of homes13% of homes18% of homes
Living areabigger than1,056 ft²51% of homes39% of homes37% of homes
Lot sizebigger than0.11 ac19% of homes22% of homes16% of homes
Year builtnewer than194368% of homes22% of homes26% of homes

About 646 Summit Ave

How much is 646 Summit Ave, Waterloo, IA worth?

The TopHap Estimate for 646 Summit Ave, Waterloo, IA is $106,040 as of Sep 24, 2026. The likely range is $81,460 to $130,620. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Summit Ave, Waterloo, IA last sell?

646 Summit Ave, Waterloo, IA last sold on Mar 23, 2012 for $56,500, according to the county's recorded deed.

How big is 646 Summit Ave, Waterloo, IA?

646 Summit Ave, Waterloo, IA has 3 bedrooms, 1 bathrooms, 1,056 square feet of living space and a 0.12-acre lot.

When was 646 Summit Ave, Waterloo, IA built?

646 Summit Ave, Waterloo, IA was built in 1943, making it 83 years old. The building has 1 story.

What schools serve 646 Summit Ave, Waterloo, IA?

646 Summit Ave, Waterloo, IA is assigned to Kingsley Elementary School (elementary), rated B; Waterloo West High School (high), rated D; Hoover Middle School (middle), rated C-. All sit in Waterloo Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Summit Ave, Waterloo, IA compare to other homes in Waterloo 50701?

Among the 12,581 homes in Waterloo 50701, it is worth more than 17% of them ($106,040 against a typical $207,561), its price per square foot is higher than 13% of them ($100 against a typical $170), it is bigger than 39% of them (1,056 ft² against a typical 1,192 ft²), its lot is bigger than 22% of them (0.11 ac against a typical 0.19 ac) and it is newer than 22% of them (1943 against a typical 1966). Measured against all of Black Hawk County, it is worth more than 18% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 646 Summit Ave, Waterloo, IA?

The 2025 property tax bill for 646 Summit Ave, Waterloo, IA was $1,894. The county assessed it at $92,800.

More homes on Summit Ave

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