- 3
- beds
- 1
- baths
- 1,130
- sqft
- 1907
- year built
- Status:
- ACTIVE
- MLS #:
- 20264043
- County:
- Black Hawk
- Listed By:
- Karmen R Schwake - Oakridge Real Estate
- Agent Phone:
- (319) 239-1281
- Agent Email:
- karmennanke@gmail.com
Sponsoring Broker: Kim Bakey, Iowa Realty
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!
Highlights
- Residential
- Single Family Residence
- Built in 1907
- 0.09 Acre Lot
- 74 days on Market
-
- Bedrooms
- 3
-
- Bathrooms
- 1
-
- Year Built
- 1907
-
- Construction Materials
- Aluminum Siding
-
- Parking Features
- Oversized, Garage Door Opener, Detached
-
- Living Area
- 1130.0
-
- Interior Features
- Ceiling Fan(s)
-
- Appliances
- Dryer, Dishwasher, Refrigerator, Washer, Disposal, Gas Water Heater, Free-Standing Range
-
- Flooring
- Hardwood
-
- Patio And Porch
- Enclosed
-
- Security Features
- Smoke Detector(s)
-
- Cooling
- Ceiling Fan(s), Central Air
-
- Heating
- Forced Air, Natural Gas
-
- Basement
- Unfinished, Concrete, Block
-
- Acres
- 0.09
-
- Water
- Public
-
- County
- Black Hawk
-
- City
- Waterloo
-
- Zip Code
- 50701
-
- High School
- West High - Waterloo
-
- Middle School
- Hoover Intermediate
-
- Elementary School
- Irving Elementary - Wloo
-
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Estimated Value
$95,622
Estimated Sales Price Range:
$76,497 - $114,746
Source: Constellation Data Labs
Price History
| 09/15/2026 | Price Changed | $109,999 |
| Source: Northeast Iowa Regional Board of REALTORS #20264043 | ||
| 08/26/2026 | Listed | $119,900 |
| Source: Northeast Iowa Regional Board of REALTORS #20264043 | ||
| 11/08/2022 | Sold | $65,000 |
| Source: Northeast Iowa Regional Board of REALTORS #20223180 | ||
| 09/13/2022 | Price Changed | $65,000 |
| Source: Northeast Iowa Regional Board of REALTORS #20223180 | ||
| 07/08/2022 | Listed | $75,000 |
| Source: Northeast Iowa Regional Board of REALTORS #20223180 | ||
Source: MLS Data
Deed History
| 11/10/2022 | Warranty Deed | $65,000 |
Source: Public records via Constellation Data Labs
Mortgage History
| 11/10/2022 | Conventional | $63,050 |
Source: Public records via Constellation Data Labs
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Similar Listings
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There are currently 433 properties available in Waterloo, with 0 under contract to close soon. Properties in the city have an average sale price of $228,133 and typically spend 77 days on the market before being sold.
Want to compare this property to others available for sale in the area? Use our search to find exactly what you want among our 2,000,000+ listings and to see incredible photos to show you what is possible.
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Source: ez Home Search, MLS Data
Frequently Asked Questions
How do I schedule a tour of 103 Summit?
We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 103 Summit.
They know residentials in the area well and can give you the guidance you need to buy with confidence.
How do I get more information about 103 Summit?
Click Ask a Question to talk with our team. You already know it is a 3 bed, 1 bath, listed for $109,999. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Waterloo, and can even get you in to see the property quickly.
How much is the monthly mortgage payment for 103 Summit?
With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 103 Summit at around $795. This includes estimated property taxes and insurance.
Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.
How do I get pre-approved to buy 103 Summit?
Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.
Or, let us connect you with our preferred local lender in Black Hawk County. They will give you all of your available financing options, based on your specific situation and what is available to you.
Can I negotiate the asking price for 103 Summit?
In most cases, yes. Whether 103 Summit is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Waterloo's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.
How do I make an offer on 103 Summit?
We can handle that for you. Our preferred local agent specializes in residentials in Waterloo and can guide you through every step of the offer process.
You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.
What is the price per square foot for this home?
This home is listed at $109,999 with 1,130 sqft of space—that comes out to approximately $97 per square foot.
How long has this property been on the market?
103 Summit was listed on August 26, 2026, which means it's been on the market for 74 days.
Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.
When was this house built?
This home was built in 1907, making it approximately 119 years old.
What is the lot size of this property?
103 Summit sits on a 0.09-acre lot, which is 3,920 square feet.
What schools are assigned to this property?
Based on MLS info, this home is zoned for:
- Elementary: Irving Elementary - Wloo
- Middle: Hoover Intermediate
- High: West High - Waterloo
Want to see how these schools compare? Check out our Black Hawk County School Guide to see ratings, reviews, and more for the schools in the area.
What are the property taxes for 103 Summit?
The most recent public record shows annual property taxes for 103 Summit were approximately $2,025. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.
Is 103 Summit still available for sale?
Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.
Source: ez Home Search, MLS Data
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Based on information submitted to the MLS GRID as of November 08, 2026 at 05:12PM All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.