1109 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1109 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1909
Lot Size	0.12 acres (5,207 sqft)
Owner	Company Name on File
Last Sale	$45,000 (Feb 2026)
Tax Bill	$1,952 (2025)
Deeds & Mortgages	Sep 2005 Line of Credit Feb 2026 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-226-022`

Property Details

APN / Parcel Number

Primary APN	`8913-35-226-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	520 sqft
Basement Area	520 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,207 sqft (0.12 acres)
Lot Dimensions	127 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Deck Area	80 sqft
Patio Area	80 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1109 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION LOT 15 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	3
Legal Lot Number	15
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	1100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2005	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Feb 27, 2026	Warranty Deed, Transfer · Line of Credit BANK IOWA
Dec 15, 2010	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Deed Document Number	20262555
Record Updated	Sep 20, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1109 BERTCH AVE, WATERLOO, IA 50702-3142
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006006650
Date	Sep 9, 2005
Instrument	2006006650

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 27, 2026
Property Address	1109 BERTCH AVE, WATERLOO, IA 50702-3142
Document Number	0202602555
Instrument Date	Feb 27, 2026
Instrument	2026-02555
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Amount	Amount Recorded
Tax	$71.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 KELLIE AVE SW, INDEPENDENCE, IA 50644-9615
Investor	Possibly a Property Investor

Mortgage

Document Number	0202602568
Date	Feb 27, 2026
Instrument	2026-02568

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2056

Interest

Change Frequency	Monthly

December 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 15, 2010
Property Address	1109 BERTCH AVE, WATERLOO, IA 50702-3142
Document Number	2011012116
Instrument Date	Dec 9, 2010
Instrument	2011012116
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 BERTCH

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	$1,952.00	$97,710 (+8.57%) Land $12,930 Building $84,780	$97,710 (+8.57%) Land $12,930 Building $84,780
2024	$1,952.00 (+22.15%)
2023		$90,000 (+23.64%) Land $12,930 Building $77,070	$90,000 (+23.64%) Land $12,930 Building $77,070
2022	$1,598.00	$72,790 Land $12,930 Building $59,860
2021			$72,790 Land $12,930 Building $59,860

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

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 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
Verizon Fixed Wireless	300 / 20
LTD Broadband Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group.

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