1100 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1100 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,991 sqft · built 1906
Lot Size	0.175 acres (7,620 sqft)
Owner	Company Name on Record
Last Sale	$170,000 (Nov 2022)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Mar 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-229-001`

Property Details

APN / Parcel Number

Primary APN	`8913-35-229-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,991 sqft Living Area
1st Floor Area	960 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,620 sqft (0.175 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	273 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1100 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION W 18.9 FT LOT 11 BLK 4 LOT 12 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	4
Legal Lot Number	11,12
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2009
Census Tract	1100

Owner

Source: Black Hawk 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	Company Name on Record
Mailing Address	6 FOSTER DR, DES MOINES, IA 50312-2563
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage MIDWESTONE BANK
Mar 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Nov 17, 2021	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Nov 17, 2021 · Amount on Record
Deed Document Number	202210623
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1100 BERTCH AVE, WATERLOO, IA 50702-3125
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700012406
Date	Jan 6, 2017
Instrument	2017-00012406

Lender

Name	MIDWESTONE BANK
Type	Bank
Address	CEDAR FALLS, IA 50613

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 2, 2037

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1100 BERTCH AVE, WATERLOO, IA 50702-3125
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900013515
Date	Mar 11, 2019
Instrument	201900013515

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Nov 17, 2021
Property Address	1100 BERTCH AVE, WATERLOO, IA 50702-3125
Document Number	202200010623
Instrument Date	Nov 9, 2021
Instrument	202200010623
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 BERTCH AVE, WATERLOO, IA 50702-3125

Mortgage

Document Number	202200010624
Date	Nov 17, 2021
Instrument	202200010624

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$4,588.00 (+5.37%)	$224,830 (+12.01%) Land $18,920 Building $205,910	$224,830 (+12.01%) Land $18,920 Building $205,910
2024	$4,354.00 (+28.82%)
2023		$200,720 (+30.42%) Land $18,920 Building $181,800	$200,720 (+30.42%) Land $18,920 Building $181,800
2022	$3,380.00	$153,900 Land $18,920 Building $134,980
2021			$153,900 Land $18,920 Building $134,980

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
Nearest Special Flood Hazard Area	Zone AO, within 500 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

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 740 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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