223 5th St NE, Waverly, IA 50677 Property Records

Bremer County property record for 223 5th St NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,540 sqft · built 1888
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$2,264 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Jul 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-204-004`

Property Details

APN / Parcel Number

Primary APN	`09-02-204-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,540 sqft Living Area
1st Floor Area	616 sqft
Basement Area	308 sqft
Unfinished Basement	308 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	223 5TH ST NE
City	WAVERLY
State	IA
Zip	50677-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-91-14 CRETZMEYER LOT 1 BLK 25
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	25
Legal Lot Number	1
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1036
Census Tract	4100

Owner

223 5th St NE is owned and occupied by an individual who acquired it in May 2019.

Source: Bremer County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	223 5TH ST NE, WAVERLY, IA 50677-1739
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2018	Deed of Trust, Mortgage SECURITY STATE BANK OF MARINE
Jul 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
May 16, 2019	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 15, 2019
Transfer Doc	20191396
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	223 5TH ST NE, WAVERLY, IA 50677-1739
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20183180
Date	Aug 22, 2018
Instrument	20183180

Lender

Name	SECURITY STATE BANK OF MARINE
Type	Bank

Agreement

Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	223 5TH ST NE, WAVERLY, IA 50677-1739
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20192172
Date	Jul 16, 2019
Instrument	20192172

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2029

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	223 5TH ST NE, WAVERLY, IA 50677-1739
Transaction Type	Mortgage
Record Updated	Aug 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20211963
Date	Apr 20, 2021
Instrument	20211963

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2031

Interest

Rate Type	Adjustable Rate

May 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	BREMER IA
Recording Date	May 16, 2019
Property Address	223 5TH ST NE, WAVERLY, IA 50677-1739
Document Number	20191396
Instrument Date	May 15, 2019
Instrument	20191396
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 5TH ST NE, WAVERLY, IA 50677-1739

Tax Assessment & Valuation

The 2025 property tax bill for 223 5th St NE was $2,264, up 3.1% from the year before.

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	$2,264.00 (+3.1%)	$130,710 Land $26,400 Building $104,310	$130,710 Land $26,400 Building $104,310
2024	$2,196.00
2023		$122,410 Land $22,960 Building $99,450	$122,410 Land $22,960 Building $99,450
2022	$1,986.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 223 5th St NE in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1979.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	46 (1979–2016)
Claims Outside the SFHA	4 of 46
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 20 claims Severe Storms & Flooding, Aug 1993 · 5 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

Wildfire risk around 223 5th St NE is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond 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	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 289 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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