1642 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 1642 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,122 sqft · built 1913
Lot Size	0.146 acres (6,350 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Feb 2026)
Tax Bill	$2,230 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2014 Line of Credit + 9 more
Flood Zone	Zone X (minimal risk)
APN	`8913-36-129-008`

Property Details

APN / Parcel Number

Primary APN	`8913-36-129-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	660 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Exterior Material	Aluminum Siding
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	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	349 sqft
Patio Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1642 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENWOOD PARK LOT 192
Legal Range	13W
Legal Township	89N
Legal Section	36
Legal Subdivision	KENWOOD PARK
Legal Lot Number	192
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	1000

Owner

Source: Black Hawk County records, as of September 1, 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	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF IOWA COMMUNITY CU
Jul 8, 2014	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF IOWA COMMUNITY CU
Oct 16, 2012	Deed of Trust, Mortgage VERIDIAN CU
Jun 18, 2010	Deed of Trust, Mortgage VERIDIAN CU
May 1, 2007	Deed of Trust, Mortgage · Conventional Mortgage EQUITY ONE INC
Jun 1, 2006	Deed of Trust, Mortgage · ARM POPULAR FINANCIAL SERVICES LLC
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 10, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 26, 2017	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA COMMUNITY CU
Jun 26, 2017	Warranty Deed, Transfer · ARM UNIVERSITY OF IOWA COMMUNITY CU
Apr 17, 2008	Joint Tenancy Deed, Transfer · Conventional Mortgage GMAC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Prior Sale	Jun 26, 2017 · Amount on Record
Deed Document Number	20261643
Prior Transfer Date	Apr 11, 2008
Prior Transfer Doc	2008020444
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700022683
Date	Jun 26, 2017
Instrument	2017-00022683

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 5, 2027

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201500000387
Date	Jul 8, 2014
Instrument	201500000387

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	IOWA CITY, IA 52246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jun 15, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK COUNTY ABSTRACT &

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2012007697
Date	Oct 16, 2012
Instrument	2012007697

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 29, 2022

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2011023848
Date	Jun 18, 2010
Instrument	2011023848

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50702

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2020

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007022926
Date	May 1, 2007
Instrument	2007022926

Lender

Name	EQUITY ONE INC
Type	Subprime Lender
Address	MARLTON, NJ 08053

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2037

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006028788
Date	Jun 1, 2006
Instrument	2006028788

Lender

Name	POPULAR FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.1%
Type Change Date	Jun 1, 2008
Change Frequency	6 Months
Min Rate At Change	8.1%
Max Rate At Change	11.1%
Index	LIBOR
Max Rate	14.1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Feb 9, 2026
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Document Number	0202601643
Instrument Date	Feb 6, 2026
Instrument	2026-01643
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	BLACK HAWK CNTY ABSTRACT & T

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708

Mortgage

Document Number	0202601644
Date	Feb 9, 2026
Instrument	2026-01644

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	1827 ANSBOROUGH AVE, WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 10, 2024
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Document Number	0202417070
Instrument Date	Jun 27, 2024
Instrument	2024-17070
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700022682
Date	Jun 26, 2017
Instrument	2017-00022682

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 26, 2017
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Document Number	201700022681
Instrument Date	Jun 19, 2017
Instrument	2017-00022681
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708

Mortgage

Document Number	201700022682
Date	Jun 26, 2017
Instrument	2017-00022682

Lender

Name	UNIVERSITY OF IOWA COMMUNITY CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2027
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

April 2008: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 17, 2008
Property Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Document Number	2008020444
Instrument Date	Apr 11, 2008
Instrument	2008020444
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1642 BERTCH AVE, WATERLOO, IA 50702-1708
Investor	Possibly a Property Investor

Mortgage

Document Number	2008020446
Date	Apr 17, 2008
Instrument	2008020446

Lender

Name	GMAC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2038

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	$2,230.00 (-6.69%) Homeowner's exemption	$120,140 (-0.24%) Land $15,760 Building $104,380	$120,140 (-0.24%) Land $15,760 Building $104,380
2024	$2,390.00 (+33.37%)
2023		$120,430 (+33.13%) Land $15,760 Building $104,670	$120,430 (+33.13%) Land $15,760 Building $104,670
2022	$1,792.00 Homeowner's exemption	$90,460 Land $15,760 Building $74,700
2021			$90,460 Land $15,760 Building $74,700

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 302 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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