1605 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1605 Bertch Ave, Waterloo, IA 50702 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,535 sqft · built 1944
Lot Size	0.146 acres (6,350 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Mar 2021)
Tax Bill	$3,740 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-126-024`

Property Details

APN / Parcel Number

Primary APN	`8913-36-126-024`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,535 sqft Living Area
1st Floor Area	882 sqft
Attic	Attic
Attic Area	485 sqft
Basement Area	882 sqft
Finished Basement	300 sqft
Unfinished Basement	882 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
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	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1605 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENWOOD PARK LOT 137
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	KENWOOD PARK
Legal Lot Number	137
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1000
Census Tract	1000

Owner

Source: Black Hawk County records · APN 8913-36-126-024

Assessment roll updated October 17, 2025 · Last verified August 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 File
Mailing Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit FREE STATE CREDIT UNION
Jul 06, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Mar 26, 2021	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Oct 04, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	202120145
Prior Transfer Date	Sep 25, 2009
Prior Transfer Doc	2010006663
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 18, 2026
Property Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707
Document Number	0000009130
Instrument Date	Jun 13, 2026
Instrument	20269130
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707

Mortgage

Document Number	0000009130,
Date	Jun 18, 2026
Instrument	20269130

Lender

Name	FREE STATE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707

Mortgage

Document Number	202200000257
Date	Jul 06, 2021
Instrument	202200000257

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2036

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Mar 26, 2021
Property Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707
Document Number	202100020145
Instrument Date	Mar 09, 2021
Instrument	202100020145
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
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	1605 BERTCH AVE, WATERLOO, IA 50702-1707

Mortgage

Document Number	202100020146
Date	Mar 26, 2021
Instrument	202100020146

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 05, 2051

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Apr 01, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

Mortgage

Document Number	202100020147
Date	Mar 26, 2021
Instrument	202100020147

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 05, 2031

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1605 BERTCH AVE, WATERLOO, IA 50702-1707
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900005635
Date	Oct 04, 2018
Instrument	201900005635

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount Recorded
Term	51 Months
Due	Jan 01, 2023

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026

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

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	$3,740.00	$170,220 (-1.25%) Land $15,760 Building $154,460	$170,220 (-1.25%) Land $15,760 Building $154,460
2024	$3,740.00 (+36.7%)
2023		$172,380 (+38.38%) Land $15,760 Building $156,620	$172,380 (+38.38%) Land $15,760 Building $156,620
2022	$2,736.00	$124,570 Land $15,760 Building $108,810
2021			$124,570 Land $15,760 Building $108,810

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 302 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: LTD Broadband, Mediacom Communications, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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