135 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 135 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 838 sqft · built 1939
Lot Size	0.117 acres (5,080 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (May 2023)
Tax Bill	$1,916 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-102-010`

Property Details

APN / Parcel Number

Primary APN	`8913-35-102-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	838 sqft Living Area
1st Floor Area	578 sqft
Attic	Attic
Attic Area	260 sqft
Basement Area	578 sqft
Finished Basement	200 sqft
Unfinished Basement	578 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	127 sqft
Patio Area	127 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	135 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN HALL ADDITION LOT 11 BLK 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BROWN HALL ADDITION
Legal Block	2
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1006
Census Tract	1100

Owner

Source: Black Hawk County records, as of August 17, 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	135 BERTCH AVE, WATERLOO, IA 50702-3651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2023 · Amount on Record
Deed Sale	May 19, 2023 · Amount on Record
Deed Document Number	202315555
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 19, 2023
Property Address	135 BERTCH AVE, WATERLOO, IA 50702-3651
Document Number	202300015555
Instrument Date	May 9, 2023
Instrument	202300015555
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3720 VILLAGE PL APT 5109, 5109, WATERLOO, IA 50702-5828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 BERTCH AVE, WATERLOO, IA 50702-3651

Mortgage

Document Number	202300015556
Date	May 19, 2023
Instrument	202300015556

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jun 1, 2033
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Max Rate	12.1%

Mortgage

Document Number	202300015557
Date	May 19, 2023
Instrument	202300015557

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

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	$1,916.00	$95,920 (+6.46%) Land $12,610 Building $83,310	$95,920 (+6.46%) Land $12,610 Building $83,310
2024	$1,916.00 (+94.72%)
2023		$90,100 (+26.94%) Land $12,610 Building $77,490	$90,100 (+26.94%) Land $12,610 Building $77,490
2022	$984.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$70,980 Land $12,610 Building $58,370
2021			$70,980 Land $12,610 Building $58,370

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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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 541 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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