1421 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1421 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,404 sqft · built 1938
Lot Size	0.146 acres (6,350 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Sep 2024)
Tax Bill	$3,156 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-36-101-018`

Property Details

APN / Parcel Number

Primary APN	`8913-36-101-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
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	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	270 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1421 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENWOOD PARK LOT 116
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	KENWOOD PARK
Legal Lot Number	116
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1002
Census Tract	1000

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	2 Individual Names on Record
Mailing Address	1421 BERTCH AVE, WATERLOO, IA 50702-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2024 · Amount on Record
Deed Sale	Sep 18, 2024 · Amount on Record
Prior Sale	Sep 18, 2023 · Amount on Record
Deed Document Number	20243908
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 18, 2023
Property Address	1421 BERTCH AVE, WATERLOO, IA 50702-2303
Document Number	202400003908
Instrument Date	Sep 14, 2023
Instrument	202400003908
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Full Amount Stated
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	1421 BERTCH AVE, WATERLOO, IA 50702-2303

Mortgage

Document Number	202400003909
Date	Sep 18, 2023
Instrument	202400003909

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Oct 1, 2033
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Max Rate	13.2%

Mortgage

Document Number	202400003910
Date	Sep 18, 2023
Instrument	202400003910

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1421 BERTCH AVE, WATERLOO, IA 50702-2303
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900002228
Date	Aug 9, 2018
Instrument	201900002228

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	53 Months
Due	Jan 1, 2023

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	$3,156.00	$143,490 (-0.87%) Land $15,760 Building $127,730	$143,490 (-0.87%) Land $15,760 Building $127,730
2024	$3,156.00 (+33.84%)
2023		$144,750 (+34.86%) Land $15,760 Building $128,990	$144,750 (+34.86%) Land $15,760 Building $128,990
2022	$2,358.00	$107,330 Land $15,760 Building $91,570
2021			$107,330 Land $15,760 Building $91,570

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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