Black Hawk County property record for 132 Bertch Ave, Waterloo, IA 50702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,321 sqft · built 1931 |
| Lot Size | 0.117 acres (5,080 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Feb 2024) |
| Tax Bill | $2,724 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Oct 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-106-001 |
| Primary APN | 8913-35-106-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,321 sqft Living Area |
| 1st Floor Area | 852 sqft |
| Attic | Attic |
| Attic Area | 469 sqft |
| Basement Area | 852 sqft |
| Finished Basement | 300 sqft |
| Unfinished Basement | 852 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,080 sqft (0.117 acres) |
| Lot Dimensions | 40 ft deep x 127 ft wide |
| Garage Type | Detached |
| Garage Area | 180 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 132 BERTCH AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-3650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROWN HALL ADDITION LOT 1 BLK 6 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | BROWN HALL ADDITION |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1100 |
Source: Black Hawk County records · APN 8913-35-106-001
Assessment roll updated October 17, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | PO BOX 5105, TUBAC, AZ 85646-5105 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 08, 2017 | Deed of Trust, Mortgage VERIDIAN CU |
| Oct 16, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION |
| Dec 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage CEDAR FALLS COMMUNITY CU |
| Aug 29, 2017 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 23, 2024 · Amount on Record |
| Deed Sale | Feb 23, 2024 · Amount on Record |
| Prior Sale | Dec 17, 2020 · Amount on Record |
| Deed Document Number | 202410358 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 132 BERTCH AVE, WATERLOO, IA 50702-3650 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 201800004388 |
|---|---|
| Date | Sep 08, 2017 |
| Instrument | 2018-00004388 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | Sep 10, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Property Address | 132 BERTCH AVE, WATERLOO, IA 50702-3650 |
| Transaction Type | Mortgage |
| Record Updated | Jul 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202000007002 |
|---|---|
| Date | Oct 16, 2019 |
| Instrument | 202000007002 |
| Name | VERIDIAN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Dec 17, 2020 |
| Property Address | 132 BERTCH AVE, WATERLOO, IA 50702-3650 |
| Document Number | 202100012980 |
| Instrument Date | Dec 11, 2020 |
| Instrument | 202100012980 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Title Company | TITLE SERVICES CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $236.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 132 BERTCH AVE, WATERLOO, IA 50702-3650 |
| Document Number | 202100012981 |
|---|---|
| Date | Dec 17, 2020 |
| Instrument | 202100012981 |
| Name | CEDAR FALLS COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Aug 29, 2017 |
| Property Address | 132 BERTCH AVE, WATERLOO, IA 50702-3650 |
| Document Number | 201800003648 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 2018-00003648 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 132 BERTCH AVE, WATERLOO, IA 50702-3650 |
| Document Number | 201800003649 |
|---|---|
| Date | Aug 29, 2017 |
| Instrument | 2018-00003649 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,724.00 | $135,420 (+7.36%) Land $13,930 Building $121,490 | $135,420 (+7.36%) Land $13,930 Building $121,490 |
| 2024 | $2,724.00 (+37.99%) | ||
| 2023 | $126,140 (+27.76%) Land $13,930 Building $112,210 | $126,140 (+27.76%) Land $13,930 Building $112,210 | |
| 2022 | $1,974.00 Homeowner's exemption | $98,730 Land $13,930 Building $84,800 | |
| 2021 | $98,730 Land $13,930 Building $84,800 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), as of September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130011001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2010 · Severe Storms, Flooding, And Tornadoes |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, T-Mobile USA, Verizon.
Based on FCC filings for 541 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IA0790074, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO WATER WORKS serves 69,504 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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