1207 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1207 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,061 sqft · built 1923
Lot Size	0.146 acres (6,350 sqft)
Owner	2 Individual Names on File
Last Sale	$118,000 (Mar 2026)
Tax Bill	$2,286 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-227-011`

Property Details

APN / Parcel Number

Primary APN	`8913-35-227-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,061 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
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	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1207 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION LOT 8 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	2
Legal Lot Number	8
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2001
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	2 Individual Names on File
Mailing Address	1207 BERTCH AVE, WATERLOO, IA 50702-3126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
May 18, 2022	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Jul 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENSTATE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 26, 2026 · Amount on Record
Deed Sale	Mar 26, 2026 · Amount on Record
Prior Sale	May 18, 2022 · Amount on Record
Deed Document Number	20263978
Prior Transfer Date	Jun 11, 2007
Prior Transfer Doc	2007026660
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1207 BERTCH AVE, WATERLOO, IA 50702-3126
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 I AVE, GRUNDY CENTER, IA 50638-1849

Mortgage

Document Number	0202603979
Date	Mar 26, 2026
Instrument	2026-03979

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	4097 MONUMENT CORNER DR STE 600, FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 18, 2022
Property Address	1207 BERTCH AVE, WATERLOO, IA 50702-3126
Document Number	202200022570
Instrument Date	May 12, 2022
Instrument	202200022570
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 BERTCH AVE, WATERLOO, IA 50702-3126

Mortgage

Document Number	202200022571
Date	May 18, 2022
Instrument	202200022571

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Mortgage

Document Number	202200022572
Date	May 18, 2022
Instrument	202200022572

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 5, 2032

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1207 BERTCH AVE, WATERLOO, IA 50702-3126
Transaction Type	Mortgage
Record Updated	Aug 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001569
Date	Jul 25, 2019
Instrument	202000001569

Lender

Name	GREENSTATE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2024

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	$2,286.00	$112,560 (+6.83%) Land $15,760 Building $96,800	$112,560 (+6.83%) Land $15,760 Building $96,800
2024	$2,286.00 (+24.37%)
2023		$105,360 (+25.91%) Land $15,760 Building $89,600	$105,360 (+25.91%) Land $15,760 Building $89,600
2022	$1,838.00	$83,680 Land $15,760 Building $67,920
2021			$83,680 Land $15,760 Building $67,920

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

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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