101 Ruth Rd, Waverly, IA 50677 Property Records

Bremer County property record for 101 Ruth Rd, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,966 sqft · built 2014
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jul 2026)
Tax Bill	$5,578 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-18-426-005`

Property Details

APN / Parcel Number

Primary APN	`10-18-426-005`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
Basement Area	1,966 sqft
Finished Basement	950 sqft
Unfinished Basement	1,016 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	46,609 sqft (1.07 acres)
Garage Type	Attached
Garage Area	1,549 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	612 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	101 RUTH RD
City	WAVERLY
State	IA
Zip	50677-9046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18-91-13 WHITE TAIL RIDGE ADD SE 1/4 LOT 3
Legal Range	13W
Legal Township	91N
Legal Section	18
Legal Subdivision	WHITE TAIL RIDGE
Legal Lot Number	3
Jurisdiction	BREMER IA
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3002
Census Tract	4600

Owner

Source: Bremer 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	2 Individual Names on Record
Mailing Address	101 RUTH RD, WAVERLY, IA 50677-9046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
May 10, 2018	Deed of Trust, Mortgage BANK IOWA
May 3, 2018	Deed of Trust, Mortgage BANK IOWA
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS STATE BANK
Feb 3, 2021	Warranty Deed, Transfer · Conventional Mortgage DEERE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Feb 3, 2021 · Amount on Record
Deed Document Number	20262318
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Jul 23, 2026
Property Address	101 RUTH RD, WAVERLY, IA 50677-9046
Document Number	0000002318
Instrument Date	Jul 20, 2026
Instrument	20262318
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,183.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 RUTH RD, WAVERLY, IA 50677-9046

Mortgage

Document Number	0000002319,
Date	Jul 23, 2026
Instrument	20262319

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	101 RUTH RD, WAVERLY, IA 50677-9046
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001676
Date	May 10, 2018
Book Page	0000002018/0000001676
Instrument	20181676

Lender

Name	BANK IOWA
Type	Bank

Agreement

Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	101 RUTH RD, WAVERLY, IA 50677-9046
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001565
Date	May 3, 2018
Book Page	0000002018/0000001565
Instrument	20181565

Lender

Name	BANK IOWA
Type	Bank

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	101 RUTH RD, WAVERLY, IA 50677-9046
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020194149
Date	Dec 2, 2019
Instrument	20194149

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Feb 3, 2021
Property Address	101 RUTH RD, WAVERLY, IA 50677-9046
Document Number	0020210578
Instrument Date	Jan 22, 2021
Instrument	20210578
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$639.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 RUTH RD, WAVERLY, IA 50677-9046
Investor	Possibly a Property Investor

Mortgage

Document Number	0020210579
Date	Feb 3, 2021
Instrument	20210579

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.12%
Max Rate At Change	4.12%
Index	1-Month LIBOR

Tax Assessment & Valuation

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Unified School District	Waverly-Shell Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,578.00 (-1.2%) Homeowner's exemption	$494,230 (+12.84%) Land $81,200 Building $413,030	$494,230 (+12.84%) Land $81,200 Building $413,030
2024	$5,646.00 (+19.62%)
2023		$438,000 Land $60,520 Building $377,480	$438,000 Land $60,520 Building $377,480
2022	$4,720.00

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 January 28, 2021 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	25 (1993–2024)
Claims Outside the SFHA	7 of 25
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2016 · 7 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 13 claims Severe Storms & Flooding, Aug 1993 · 2 claims

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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waverly Communications Utility Fiber	10,000 / 10,000
Starlink Satellite	280 / 30

May also be available: GigFire, Nextlink.

Cell Coverage

5G and 4G LTE (outdoors only)

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