Welcome home to this charming 1½-story home offering 3 bedrooms, 1 bath, and plenty of updates throughout! Enjoy two enclosed porches, including a welcoming front porch that’s perfect for relaxing with your favorite beverage. Inside, you’ll find hardwood floors and a nicely updated kitchen and countertops, with appliances that are less than two years old. The upper level features new windows and new flooring, adding to the many improvements already completed. The unfinished lower level provides plenty of room for storage and additional possibilities. The furnace, central air, and water heater have all recently been checked and are in good working order, and a new sewer line has been installed out back. With its combination of character, updates, and comfortable living spaces, this home is ready for its next owner!
Neighborhors Who Care, located between Downtown Waterloo and Cedar Falls, is a residential and community-minded Waterloo neighborhood with modest mid-century homes and pocket green space. The neighborhood’s character concentrates around the RiverLoop Amphitheatre and the Cedar River trail corridor, where event nights, river views, and steady foot traffic set the tone. Cultural pillars nearby include the Waterloo Center for the Arts, the Sullivan Brothers Iowa Veterans Museum, and the Grout Museum District. Streets read as practical and lived-in, with small yards, mature trees, and a calm, local rhythm. Daily life orbits around riverfront paths, museum blocks, and the compact downtown grid.
Provided by Walk Score and Local Logic
Offer insights
103 Summit Ave · $109,999
$110K and above
75% chance or better to win
Why $110K+ is a strong offer
DAYS ON MARKET
46 days
The average home goes pending in 13 days.
SALE-TO-LIST
98.6%
Most homes are selling 1% below list price.
About offer insights
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Interior features
Ceiling fan(s)
Smoke detector(s)
Bathrooms
1 full bathroom
Kitchen
Dishwasher
Disposal
Free-standing range
Refrigerator
Laundry & utility
Washer
Dryer
Laundry on lower level
Gas water heater
Flooring
Hardwood
Heating & cooling
Forced air heating (natural gas)
Central air conditioning
Ceiling fan(s)
Exterior features
Enclosed patio/porch
Fenced yard
Alley access (paved)
Home design
Single-family residence
Residential property
Parking
Has carport (2 spaces)
Detached oversized garage with garage door opener
Security
Smoke detector(s)
Construction
Aluminum siding
Shingle/asphalt roof
Basement: block and concrete, unfinished
Below-grade finished area
Utilities
Public water
Public sewer
HOA & community
Sidewalks in the community
Electricity and solar
View estimated energy costs and solar savings for this home
Just listed this solid older 1 1/2 story home in West Waterloo. This 3 bedrooms 1 bath is priced below assessed and ready for a new owner. Value for a fast sale. There are two porches, front, and rear enclosed porches. Two stall oversized detached garage, 22x24 built in 2003. Keep your cool this summer with the newer AC unit installed in the fall of 2017. The furnace/air/water heater were all new in 2012. Immediate possession and low taxes makes this one a winner all around. Carpet in livingroom will be removed. The rest of the carpets will be restretched, upstairs and main floor will be repainted and 2 windows will be repaired and one replaced.
Year
Property tax
Land + Additions
Assessment*
2025
$1,904 (+8.6%)
$8,820 + $90,420
$99,240
2024
$1,754 (+2.5%)
$8,820 + $90,420
$99,240
2023
$1,712 (+2.8%)
$8,820 + $78,960
$87,780
2022
$1,666 (+7.5%)
$8,820 + $78,960
$87,780
2021
$1,550 (+1.6%)
$8,820 + $69,100
$77,920
2020
$1,526 (−0.8%)
$6,620 + $61,820
$68,440
2019
$1,538 (+0.8%)
$6,620 + $61,820
$68,440
2018
$1,526 (−2.9%)
$6,620 + $61,820
$68,440
2017
$1,572 (+1.3%)
$6,620 + $61,820
$68,440
2016
$1,552 (+0.6%)
$6,620 + $61,820
$68,440
2014
$1,542
$6,620 + $61,820
$68,440
Public record
Public record
Zoning
Beds
3
Baths
1
Stories
—
Lot width
30 ft.
Lot depth
130 ft.
Lot size
3,920 Sq. Ft.
Year renovated
—
Finished Sq. Ft.
1,130
Unfinished Sq. Ft.
—
Total Sq. Ft.
1,130
Year built
1907
Style
Single Family Residential
County
Black Hawk County
APN
891327433012
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 8, 2026.
R-2
One and Two Family Residence District
The R-2 District is intended to provide for areas of the community which are suitable for low density residential uses that are adjacent to residential, professional office or neighborhood commercial uses. Any outside storage of materials or equipment shall be limited and clearly incidental and accessory to the Principal Permitted Use, and shall not include the outside storage of junk or salvage material or similar debris. Outside storage of materials or equipment shall not be permitted in a front yard. This provision shall not restrict the outside storage of licensed and operable vehicles that are accessory and clearly incidental to the Principal Permitted Use.
Permitted uses
Include but are not limited to:
Community / recreation center
Housing-Single unit
Housing-Multiple units
Infrastructure
Public service
Educational/school
Recreation
Golf related
Cemetery
Park & open space
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
3/10 Heat Factor
7 days above 101° expected this year, 16 days in 30 years
2/10 Wind Factor
Minor risk of severe winds over next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Waterloo, IA • 50701
Average low and high temperatures (°F)
27
11
34
17
55
32
62
42
73
51
82
63
84
68
80
62
79
56
69
46
48
33
33
18
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
91/ 100
Exceptional sunlight
Sunscore
This home receives average direct sun exposure in Waterloo. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.1 hrs
5.5 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 103 Summit Ave
$107,078
$2,921 under list price of $110K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $72K to $170K.