105 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 105 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 886 sqft · built 1931
Lot Size	0.117 acres (5,080 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (May 2011)
Tax Bill	$2,280 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-101-011`

Property Details

APN / Parcel Number

Primary APN	`8913-35-101-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	886 sqft Living Area
1st Floor Area	886 sqft
Basement Area	886 sqft
Finished Basement	600 sqft
Unfinished Basement	886 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Deck Area	185 sqft
Patio Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	105 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN HALL ADDITION LOT 11 BLK 1
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BROWN HALL ADDITION
Legal Block	1
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1007
Census Tract	1100

Owner

Source: Black Hawk County records, as of May 27, 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 Record
Mailing Address	105 BERTCH AVE, WATERLOO, IA 50702-3610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 26, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2011 · Amount on Record
Deed Sale	May 24, 2011 · Amount on Record
Prior Sale	Mar 27, 2007 · Amount on Record
Deed Document Number	201122199
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	105 BERTCH AVE, WATERLOO, IA 50702-3610
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 BERTCH AVE, WATERLOO, IA 50702-3610

Mortgage

Document Number	202100023862
Date	May 12, 2021
Instrument	202100023862

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Jan 1, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	105 BERTCH AVE, WATERLOO, IA 50702-3610
Transaction Type	Mortgage
Record Updated	Jan 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900009786
Date	Dec 26, 2018
Instrument	201900009786

Lender

Name	COMMUNITY FIRST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,280.00	$113,020 (+7.5%) Land $12,610 Building $100,410	$113,020 (+7.5%) Land $12,610 Building $100,410
2024	$2,280.00 (+24.32%)
2023		$105,130 (+25.93%) Land $12,610 Building $92,520	$105,130 (+25.93%) Land $12,610 Building $92,520
2022	$1,834.00	$83,480 Land $12,610 Building $70,870
2021			$83,480 Land $12,610 Building $70,870

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 September 27, 2026 · 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
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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