122 7th St NE, Waverly, IA 50677 Property Records

Bremer County property record for 122 7th St NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1935
Lot Size	0.152 acres (6,621 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Feb 2026)
Tax Bill	$3,014 (2025)
Deeds & Mortgages	Nov 2017 Mortgage May 2024 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-211-001`

Property Details

APN / Parcel Number

Primary APN	`09-02-211-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Finished Basement	150 sqft
Unfinished Basement	472 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	100 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	122 7TH ST NE
City	WAVERLY
State	IA
Zip	50677-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-91-14 CRETZMEYER N 1/2 W 34' LOT 3 & N 1/2 LOT 4 BLK 22
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	22
Legal Lot Number	3,4
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1034
Census Tract	4100

Owner

122 7th St NE is owned and occupied by two individuals who bought it in February 2026.

Source: Bremer County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
May 30, 2024	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Feb 23, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Mar 3, 2005	Deed of Trust, Mortgage · Conventional Mortgage DRAPER AND KRAMER MORTGAGE CORP
Mar 24, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Mar 3, 2005	Deed of Trust, Mortgage · Line of Credit DRAPER & KRAMER MORTGAGE CORP
Aug 12, 2025	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Feb 18, 2026	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK & TRUST
Apr 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORP
Apr 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2026 · Amount on File
Deed Sale	Feb 18, 2026 · Amount on File
Deed Document Number	2026450
Prior Transfer Date	Apr 3, 2021
Prior Transfer Doc	0020211775
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020164609
Date	Nov 2, 2017
Instrument	20164609

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	WAVERLY, IA 50677

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Dec 1, 2046

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 7TH ST NE, WAVERLY, IA 50677-1744

Mortgage

Document Number	0020241338
Date	May 30, 2024
Instrument	20241338

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 29, 2049

Interest

Rate Type	Adjustable Rate

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020090679
Date	Feb 23, 2009
Instrument	20090679

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	WAVERLY, IA 50677

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2039

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020050915
Date	Mar 3, 2005
Instrument	20050915

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP
Type	Non-Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2035

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020091246
Date	Mar 24, 2009
Instrument	20091246

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	WAVERLY, IA 50677

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Mar 20, 2016

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020050916
Date	Mar 3, 2005
Instrument	20050916

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 7TH ST NE, WAVERLY, IA 50677-1744

Mortgage

Document Number	0020252580
Date	Aug 12, 2025
Instrument	20252580

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Aug 20, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Feb 18, 2026
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Document Number	0020260450
Instrument Date	Feb 13, 2026
Instrument	20260450
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	122 7TH ST NE, WAVERLY, IA 50677-1744

Mortgage

Document Number	0020260451
Date	Feb 18, 2026
Instrument	20260451

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREMER IA
Recording Date	Apr 9, 2021
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Document Number	20211775
Instrument Date	Apr 3, 2021
Instrument	20211775
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	122 7TH ST NE, WAVERLY, IA 50677-1744

Mortgage

Document Number	20211776
Date	Apr 9, 2021
Instrument	20211776

Lender

Name	AMERICAN FINANCING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREMER IA
Recording Date	Apr 9, 2021
Property Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Document Number	0020211775
Instrument Date	Apr 3, 2021
Instrument	20211775
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	122 7TH ST NE, WAVERLY, IA 50677-1744
Investor	Possibly a Property Investor

Mortgage

Document Number	0020211776
Date	Apr 9, 2021
Instrument	20211776

Lender

Name	AMERICAN FINANCING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 122 7th St NE was $3,014 with a homeowner's exemption, up 11% from the year before.

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Waverly City
Unified School District	Waverly-Shell Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,014.00 (+10.97%) Homeowner's exemption	$184,870 Land $24,020 Building $160,850	$184,870 Land $24,020 Building $160,850
2024	$2,716.00
2023		$161,470 Land $21,020 Building $140,450	$161,470 Land $21,020 Building $140,450
2022	$2,480.00

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

Flood

FEMA maps place 122 7th St NE in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · 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	6 in force
Nearby Flood Claims	46 (1979–2016)
Claims Outside the SFHA	4 of 46
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 20 claims Severe Storms & Flooding, Aug 1993 · 5 claims

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

Wildfire risk around 122 7th St NE is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	WAVERLY WATER DEPARTMENT serves 10,394 people · EPA ID IA0990085
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2021–2023) 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waverly Communications Utility Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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