Black Hawk County property record for 1003 Bertch Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,214 sqft · built 1911 |
| Lot Size | 0.146 acres (6,350 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Aug 2021) |
| Tax Bill | $1,764 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2023 Sale + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-203-012 |
| Primary APN | 8913-35-203-012 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,214 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,350 sqft (0.146 acres) |
| Lot Dimensions | 127 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | Deck Area |
| Patio Area | 50 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1003 BERTCH AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-3111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREENFIELD ADDITION LOT 7 BLK 1 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | GREENFIELD ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 1100 |
Source: Black Hawk County records · APN 8913-35-203-012
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2024 | Deed of Trust, Mortgage · Line of Credit DUPACO COMMUNITY CU |
| Jan 18, 2023 | Warranty Deed, Transfer |
| Aug 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 20, 2012 | Special Warranty Deed, Transfer FIRST SECURITY STATE BANK |
| Feb 22, 2012 | Quit Claim Deed, Transfer Quitclaim |
| Sep 29, 2011 | Warranty Deed, Foreclosure |
| May 05, 2011 | Sheriff's Deed, Foreclosure |
| Oct 02, 2008 | Warranty Deed, Transfer · FHA Mortgage CSMC INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on Record |
| Deed Sale | Aug 12, 2021 · Amount on Record |
| Prior Sale | Sep 29, 2011 · Amount on Record |
| Deed Document Number | 20213377 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 202400009253 |
|---|---|
| Date | Jan 23, 2024 |
| Instrument | 202400009253 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | 1000 JACKSON ST, DUBUQUE, IA 52001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 22, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Jan 18, 2023 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 202300010382 |
| Instrument Date | Jan 18, 2023 |
| Instrument | 2023-00010382 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 12, 2021 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 202200003377 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 202200003377 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Investor | Possibly a Property Investor |
| Document Number | 202200003378 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 202200003378 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 20, 2012 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 2012015322 |
| Instrument Date | Feb 16, 2012 |
| Instrument | 2012015322 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 MAIN ST # 100, 100, CEDAR FALLS, IA 50613-2800 |
| Investor | Possibly a Property Investor |
| Document Number | 2012016046 |
|---|---|
| Date | Mar 01, 2012 |
| Instrument | 2012016046 |
| Name | FIRST SECURITY STATE BANK |
|---|---|
| Address | CEDAR FALLS, IA 50613 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Feb 28, 2017 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 22, 2012 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 2012015553 |
| Instrument Date | Feb 16, 2012 |
| Instrument | 2012015553 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4833 WINGHAVEN DR, WATERLOO, IA 50701-8925 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Sep 29, 2011 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 2012005690 |
| Instrument Date | Apr 27, 2011 |
| Instrument | 2012005690 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $132.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 05, 2011 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 2011020992 |
| Instrument Date | Apr 20, 2011 |
| Instrument | 2011020992 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1000 TECHNOLOGY DR # 387, 387, O FALLON, MO 63368-2239 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Oct 02, 2008 |
| Property Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 2009007057 |
| Instrument Date | Aug 15, 2008 |
| Instrument | 2009007057 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1003 BERTCH AVE, WATERLOO, IA 50702-3111 |
| Document Number | 2009007058 |
|---|---|
| Date | Oct 02, 2008 |
| Instrument | 2009007058 |
| Name | CSMC INC |
|---|---|
| Address | MILWAUKEE, WI 53226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2038 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,764.00 Homeowner's exemption | $99,130 (+8.28%) Land $15,760 Building $83,370 | $99,130 (+8.28%) Land $15,760 Building $83,370 |
| 2024 | $1,764.00 (+7.04%) | ||
| 2023 | $91,550 (+21.97%) Land $15,760 Building $75,790 | $91,550 (+21.97%) Land $15,760 Building $75,790 | |
| 2022 | $1,648.00 | $75,060 Land $15,760 Building $59,300 | |
| 2021 | $75,060 Land $15,760 Building $59,300 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AO, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (1979–2013) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Mar 2013 · tidal / storm surge |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Waterloo Telecommunications Utility Fiber | 10,000 / 10,000 |
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
Based on FCC filings for 645 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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