Black Hawk County property record for 1145 Bertch Ave, Waterloo, IA 50702
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 1,872 sqft · built 1913 |
| Lot Size | 0.146 acres (6,350 sqft) |
| Owner | Company Name on File |
| Last Sale | $120,000 (Feb 2023) |
| Tax Bill | $2,528 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-226-015 |
| Primary APN | 8913-35-226-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Total Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Architectural Style | Duplex Single |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,350 sqft (0.146 acres) |
| Lot Dimensions | 127 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 210 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 1145 BERTCH AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-3142 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | FOREST PARK ADDITION LOT 22 BLK 3 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | FOREST PARK ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 22 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 1100 |
Source: Black Hawk County records · APN 8913-35-226-015
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 814 S RIDGE DR, CEDAR FALLS, IA 50613-1587 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 02, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage COLLINS COMMUNITY CU |
| Aug 09, 2019 | Executor's Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 02, 2023 · Amount on Record |
| Deed Sale | Feb 02, 2023 · Amount on Record |
| Deed Document Number | 202310921 |
| Prior Transfer Date | May 06, 2005 |
| Prior Transfer Doc | 2005025916 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Feb 02, 2023 |
| Property Address | 1145 BERTCH AVE, WATERLOO, IA 50702-3142 |
| Document Number | 202300010921 |
| Instrument Date | Jan 19, 2023 |
| Instrument | 202300010921 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $191.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 814 S RIDGE DR, CEDAR FALLS, IA 50613-1587 |
| Document Number | 202300010922 |
|---|---|
| Date | Feb 02, 2023 |
| Instrument | 202300010922 |
| Name | COLLINS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 27, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 09, 2019 |
| Property Address | 1145 BERTCH AVE, WATERLOO, IA 50702-3142 |
| Document Number | 202000002619 |
| Instrument Date | Aug 08, 2019 |
| Instrument | 202000002619 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1345 LYON AVE, WATERLOO, IA 50702-3437 |
| Document Number | 202000002620 |
|---|---|
| Date | Aug 09, 2019 |
| Instrument | 202000002620 |
| Name | FARMERS STATE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,528.00 | $126,590 (+8.65%) Land $15,760 Building $110,830 | $126,590 (+8.65%) Land $15,760 Building $110,830 |
| 2024 | $2,528.00 (+23.2%) | ||
| 2023 | $116,510 (+24.7%) Land $15,760 Building $100,750 | $116,510 (+24.7%) Land $15,760 Building $100,750 | |
| 2022 | $2,052.00 | $93,430 Land $15,760 Building $77,670 | |
| 2021 | $93,430 Land $15,760 Building $77,670 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 740 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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