108 5th St NE, Waverly, IA 50677 Property Records

Bremer County property record for 108 5th St NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,650 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$225,000 (Oct 2025)
Tax Bill	$2,754 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-209-005`

Property Details

APN / Parcel Number

Primary APN	`09-02-209-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,650 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	200 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Deck Area	230 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	108 5TH ST NE
City	WAVERLY
State	IA
Zip	50677-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-91-14 CRETZMEYER LOT 5 BLK 24
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	24
Legal Lot Number	5
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1022
Census Tract	4100

Owner

108 5th St NE is owned by a company that bought it in October 2025 and is owner-occupied.

Source: Bremer County records, as of September 1, 2026

Owner of Record	Company Name on File
Mailing Address	1835 GOLF COURSE BLVD, INDEPENDENCE, IA 50644-9109
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Commercial Mortgage HILLS BANK AND TRUST CO
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jun 5, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	Jun 5, 2020 · Amount on File
Deed Document Number	20253184
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	108 5TH ST NE, WAVERLY, IA 50677-1711
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2910 DOWNING ST, MARION, IA 52302-9295

Mortgage

Document Number	0020253185
Date	Oct 6, 2025
Instrument	20253185

Lender

Name	HILLS BANK AND TRUST CO
Type	Bank
Address	HILLS, IA 52235

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	108 5TH ST NE, WAVERLY, IA 50677-1711
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020202088
Date	Jun 5, 2020
Instrument	20202088

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 20, 2030

Interest

Rate Type	Fixed Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	108 5TH ST NE, WAVERLY, IA 50677-1711
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 5TH ST NE, WAVERLY, IA 50677-1711

Mortgage

Document Number	0020232423
Date	Aug 25, 2023
Instrument	20232423

Lender

Name	FIRST BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Jun 5, 2020
Property Address	108 5TH ST NE, WAVERLY, IA 50677-1711
Document Number	0020202083
Instrument Date	Jun 4, 2020
Instrument	20202083
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 5TH ST NE, WAVERLY, IA 50677-1711

Mortgage

Document Number	0020202084
Date	Jun 5, 2020
Instrument	20202084

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 108 5th St NE was $2,754 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,754.00 Homeowner's exemption	$169,940 Land $26,400 Building $143,540	$169,940 Land $26,400 Building $143,540
2023		$157,290 Land $23,100 Building $134,190	$157,290 Land $23,100 Building $134,190
2022	$2,414.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 108 5th St NE in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1979.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	46 (1979–2016)
Claims Outside the SFHA	4 of 46
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 20 claims Severe Storms & Flooding, Aug 1993 · 5 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

Wildfire risk around 108 5th St NE is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond 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	WAVERLY WATER DEPARTMENT serves 10,394 people · EPA ID IA0990085
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2021–2023) 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waverly Communications Utility Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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