196 Eagle Rdg Dr, Waverly, IA 50677 Property Records

Bremer County property record for 196 Eagle Rdg Dr, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 2022
Lot Size	0.324 acres (14,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$479,500 (Dec 2023)
Tax Bill	$6,254 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-11-401-016`

Property Details

APN / Parcel Number

Primary APN	`09-11-401-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,558 sqft Living Area
Basement Area	1,558 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,113 sqft (0.324 acres)
Lot Dimensions	80 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	765 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	98 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	196 EAGLE RIDGE DR
City	WAVERLY
State	IA
Zip	50677-4374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11-91-14 CENTENNIAL OAKS GOLF CLUB ADD LOT 49
Legal Range	14W
Legal Township	91N
Legal Section	11
Legal Subdivision	CENTENNIAL OAKS GOLF CLUB ADD
Legal Lot Number	49
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	2
Census Block	2028
Census Tract	4200

Owner

Source: Bremer 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	2 Individual Names on Record
Mailing Address	196 EAGLE RIDGE DR, WAVERLY, IA 50677-4374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
May 15, 2023	Deed of Trust, Mortgage · Construction Mortgage FARMERS STATE BANK
Sep 8, 2022	Warranty Deed, Transfer · Commercial Mortgage WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Jan 28, 2022 · Amount on Record
Deed Document Number	20233642
Prior Transfer Date	Feb 21, 2008
Prior Transfer Doc	0020080787
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	196 EAGLE RIDGE DR, WAVERLY, IA 50677-4374
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 COLONIAL CIR, STORM LAKE, IA 50588-2948

Mortgage

Document Number	0020233643
Date	Dec 20, 2023
Instrument	20233643

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	196 EAGLE RIDGE DR, WAVERLY, IA 50677-4374
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020231251
Date	May 15, 2023
Instrument	20231251

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Sep 8, 2022
Property Address	196 EAGLE RIDGE DR, WAVERLY, IA 50677-4374
Document Number	0020223364
Instrument Date	Sep 7, 2022
Instrument	20223364
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Tax	$151.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 128, CEDAR FALLS, IA 50613-0016
Investor	Possibly a Property Investor

Mortgage

Document Number	0020223365
Date	Sep 8, 2022
Instrument	20223365

Lender

Name	WEST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 7, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Waverly City
Unified School District	Waverly-Shell Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,254.00 (-5.53%)	$361,060 (+7.03%) Land $62,510 Building $298,550	$361,060 (+7.03%) Land $62,510 Building $298,550
2024	$6,620.00 (+1,144.36%)
2023		$337,330 Land $65,260 Building $272,070	$337,330 Land $65,260 Building $272,070
2022	$532.00

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 January 28, 2021 · 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
Flood Insurance Cost	Premium on Record median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	111 (1979–2016)
Claims Outside the SFHA	14 of 111
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 58 claims Severe Storms & Flooding, Aug 1993 · 10 claims

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	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	WAVERLY WATER DEPARTMENT serves 10,394 people · EPA ID IA0990085
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2021–2023) 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waverly Communications Utility Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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