1223 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1223 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,489 sqft · built 1906
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (May 2023)
Tax Bill	$2,462 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-35-227-008`

Property Details

APN / Parcel Number

Primary APN	`8913-35-227-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,489 sqft Living Area
1st Floor Area	672 sqft
Basement Area	789 sqft
Unfinished Basement	789 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Asbestos
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	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	210 sqft
Patio Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1223 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST PARK ADDITION LOT 11 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FOREST PARK ADDITION
Legal Block	2
Legal Lot Number	11
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	Individual Name on File
Mailing Address	1223 BERTCH AVE, WATERLOO, IA 50702-3126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Deed Document Number	202315990
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 31, 2023
Property Address	1223 BERTCH AVE, WATERLOO, IA 50702-3126
Document Number	202300015990
Instrument Date	May 26, 2023
Instrument	202300015990
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 BERTCH AVE, WATERLOO, IA 50702-3126

Mortgage

Document Number	202300015991
Date	May 31, 2023
Instrument	202300015991

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	202300015992
Date	May 31, 2023
Instrument	202300015992

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1223 BERTCH AVE, WATERLOO, IA 50702-3126
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1223 BERTCH AVE, WATERLOO, IA 50702-3126

Mortgage

Document Number	202300013918
Date	Apr 17, 2023
Instrument	202300013918

Lender

Name	US BANK NA
Type	Bank
Address	DES MOINES, IA 50309

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Feb 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,462.00 Homeowner's exemption	$134,030 (+29.66%) Land $15,760 Building $118,270	$134,030 (+29.66%) Land $15,760 Building $118,270
2024	$2,462.00 (+53.11%)
2023		$103,370 (+25.97%) Land $15,760 Building $87,610	$103,370 (+25.97%) Land $15,760 Building $87,610
2022	$1,608.00 Homeowner's exemption	$82,060 Land $15,760 Building $66,300
2021			$82,060 Land $15,760 Building $66,300

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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