1212 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1212 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 769 sqft · built 1919
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on Record
Last Sale	$82,500 (Oct 2018)
Tax Bill	$1,728 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-230-003`

Property Details

APN / Parcel Number

Primary APN	`8913-35-230-003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	769 sqft Living Area
1st Floor Area	769 sqft
Basement Area	769 sqft
Unfinished Basement	769 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
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	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	165 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1212 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION LOT 4 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	5
Legal Lot Number	4
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 October 5, 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	1212 BERTCH AVE, WATERLOO, IA 50702-3127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Oct 25, 2018	Deed of Trust, Mortgage FARMERS STATE BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Oct 25, 2018	Warranty Deed, Transfer FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on Record
Deed Sale	Oct 25, 2018 · Amount on Record
Prior Sale	May 5, 2014 · Amount on Record
Deed Document Number	2018201900006767
Prior Transfer Date	Aug 1, 2008
Prior Transfer Doc	2009003511
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 28, 2026
Property Address	1212 BERTCH AVE, WATERLOO, IA 50702-3127
Document Number	0000014670
Instrument Date	Sep 23, 2026
Instrument	202614670
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1212 BERTCH AVE, WATERLOO, IA 50702-3127

Mortgage

Document Number	0000014670,
Date	Sep 28, 2026
Instrument	202614670

Lender

Name	FARMERS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2041

Interest

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1212 BERTCH AVE, WATERLOO, IA 50702-3127
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900006768
Date	Oct 25, 2018
Instrument	201900006768

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1212 BERTCH AVE, WATERLOO, IA 50702-3127
Transaction Type	Mortgage
Record Updated	Aug 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100002024
Date	Jul 27, 2020
Instrument	202100002024

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Oct 25, 2018
Property Address	1212 BERTCH AVE, WATERLOO, IA 50702-3127
Document Number	201900006767
Instrument Date	Oct 22, 2018
Instrument	201900006767
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1212 BERTCH AVE, WATERLOO, IA 50702-3127

Mortgage

Document Number	201900006769
Date	Oct 25, 2018
Instrument	201900006769

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	171 Months
Due	Jan 1, 2033

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	$1,728.00 (+0.58%) Homeowner's exemption	$95,590 (+6.95%) Land $15,760 Building $79,830	$95,590 (+6.95%) Land $15,760 Building $79,830
2024	$1,718.00 (+22.02%)
2023		$89,380 (+22.42%) Land $15,760 Building $73,620	$89,380 (+22.42%) Land $15,760 Building $73,620
2022	$1,408.00 Homeowner's exemption	$73,010 Land $15,760 Building $57,250
2021			$73,010 Land $15,760 Building $57,250

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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