1204 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1204 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1911
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Oct 2021)
Tax Bill	$1,894 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-230-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-230-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum Siding
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	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1204 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION LOT 5 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	5
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2010
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	Individual Name on Record
Mailing Address	1204 BERTCH AVE, WATERLOO, IA 50702-3127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage CEDAR RAPIDS BANK & TRUST CO
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage CEDAR RAPIDS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2021 · Amount on Record
Deed Sale	Oct 6, 2021 · Amount on Record
Prior Sale	Sep 10, 2021 · Amount on Record
Deed Document Number	20217249
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 6, 2020
Property Address	1204 BERTCH AVE, WATERLOO, IA 50702-3127
Document Number	202100007249
Instrument Date	Aug 20, 2020
Instrument	202100007249
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 BERTCH AVE, WATERLOO, IA 50702-3127

Mortgage

Document Number	202100007250
Date	Oct 6, 2020
Instrument	202100007250

Lender

Name	CEDAR RAPIDS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 10, 2020
Property Address	1204 BERTCH AVE, WATERLOO, IA 50702-3127
Document Number	202100005266
Instrument Date	Aug 10, 2020
Instrument	202100005266
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 BERTCH AVE, WASHBURN, IA 50702-3127

Mortgage

Document Number	202100005267
Date	Sep 10, 2020
Instrument	202100005267

Lender

Name	CEDAR RAPIDS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$1,894.00 (+2.05%) Homeowner's exemption	$103,730 (+8.35%) Land $15,760 Building $87,970	$103,730 (+8.35%) Land $15,760 Building $87,970
2024	$1,856.00 (+20.83%)
2023		$95,740 (+21.54%) Land $15,760 Building $79,980	$95,740 (+21.54%) Land $15,760 Building $79,980
2022	$1,536.00 Homeowner's exemption	$78,770 Land $15,760 Building $63,010
2021			$78,770 Land $15,760 Building $63,010

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
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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