227 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 227 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,276 sqft · built 1939
Lot Size	0.178 acres (7,747 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jun 2021)
Tax Bill	$2,714 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-103-018`

Property Details

APN / Parcel Number

Primary APN	`8913-35-103-018`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	828 sqft
Basement Area	828 sqft
Finished Basement	400 sqft
Unfinished Basement	828 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,747 sqft (0.178 acres)
Lot Dimensions	127 ft deep x 61 ft wide
Deck Area	88 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	227 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN HALL ADDITION LOT 9 BLK 3 AND E 20 FT LOT 10 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BROWN HALL ADDITION
Legal Block	3
Legal Lot Number	9,10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1005
Census Tract	1100

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	227 BERTCH AVE, WATERLOO, IA 50702-3612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage VERIDIAN CREDIT UNION
Jun 7, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Apr 20, 2020	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Dec 3, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2021 · Amount on Record
Deed Sale	Jun 7, 2021 · Amount on Record
Prior Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	202125707
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	227 BERTCH AVE, WATERLOO, IA 50702-3612
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008622
Date	Dec 3, 2018
Instrument	201900008622

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2029

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jun 7, 2021
Property Address	227 BERTCH AVE, WATERLOO, IA 50702-3612
Document Number	202100025707
Instrument Date	Jun 3, 2021
Instrument	202100025707
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 COMMERCIAL ST STE 250, 250, WATERLOO, IA 50701-5497

Mortgage

Document Number	202100025708
Date	Jun 7, 2021
Instrument	202100025708

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	227 BERTCH AVE, WATERLOO, IA 50702-3612
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000018058
Date	Apr 20, 2020
Instrument	202000018058

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 19, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Dec 3, 2018
Property Address	227 BERTCH AVE, WATERLOO, IA 50702-3612
Document Number	201900008620
Instrument Date	Nov 30, 2018
Instrument	201900008620
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 BERCH AVE, WATERLOO, IA 50702-3612

Mortgage

Document Number	201900008621
Date	Dec 3, 2018
Instrument	201900008621

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$2,714.00 (-7.75%) Homeowner's exemption	$158,490 (+8.68%) Land $19,230 Building $139,260	$158,490 (+8.68%) Land $19,230 Building $139,260
2024	$2,942.00 (+24.45%)
2023		$145,830 (+25.14%) Land $19,230 Building $126,600	$145,830 (+25.14%) Land $19,230 Building $126,600
2022	$2,364.00 Homeowner's exemption	$116,530 Land $19,230 Building $97,300
2021			$116,530 Land $19,230 Building $97,300

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 · 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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms, Flooding, And Tornadoes

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	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 734 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

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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