114 Berlin St, Waterloo, IA 50701 Property Records

Black Hawk County property record for 114 Berlin St, Waterloo, IA 50701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 932 sqft · built 1957
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2018 Line of Credit + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`8913-22-331-028`

Property Details

APN / Parcel Number

Primary APN	`8913-22-331-028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	932 sqft Living Area
1st Floor Area	932 sqft
Basement Area	932 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	114 BERLIN ST
City	WATERLOO
State	IA
Zip	50701-5802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALLOWAY ADDITION WATERLOO LOT 237 LOT 238 LOT 239
Legal Range	13W
Legal Township	89N
Legal Section	22
Legal Subdivision	GALLOWAY ADDITION WATERLOO
Legal Lot Number	237-239
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1026
Census Tract	400

Owner

114 Berlin St is owned and occupied by an individual who acquired it in March 2025.

Source: Black Hawk County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	114 BERLIN ST, WATERLOO, IA 50701-5802
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Jan 25, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Aug 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 31, 2025
Transfer Doc	0202504650
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 14, 2026
Property Address	114 BERLIN ST, WATERLOO, IA 50701-5802
Document Number	0000012271
Instrument Date	Aug 10, 2026
Instrument	202612271
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 BERLIN ST, WATERLOO, IA 50701-5802

Mortgage

Document Number	0000012271,
Date	Aug 14, 2026
Instrument	202612271

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 25, 2036

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	114 BERLIN ST, WATERLOO, IA 50701-5802
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800012434
Date	Jan 25, 2018
Instrument	201800012434

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	114 BERLIN ST, WATERLOO, IA 50701-5802
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800003055
Date	Aug 18, 2017
Instrument	2018-00003055

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 114 Berlin St was $2,656 with exemptions applied, up 1% from the year before.

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	$2,656.00 (+10.02%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$147,300 Land $23,160 Building $124,140	$147,300 Land $23,160 Building $124,140
2024	$2,414.00
2023		$122,760 (+23.58%) Land $23,160 Building $99,600	$122,760 Land $23,160 Building $99,600
2022	$2,182.00	$99,340 Land $23,160 Building $76,180
2021			$99,340 Land $23,160 Building $76,180

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

Flood

FEMA maps place 114 Berlin St in Zone X, where a levee reduces flood risk.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

The area around 114 Berlin St has no burnable land within ember reach, so its wildfire risk is not rated.

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 625 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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