305 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 305 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 750 sqft · built 1937
Lot Size	0.117 acres (5,080 sqft)
Owner	Individual Name on Record
Last Sale	$45,400 (Sep 2024)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Sep 2023 Foreclosure Sep 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-104-011`

Property Details

APN / Parcel Number

Primary APN	`8913-35-104-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	750 sqft Living Area
1st Floor Area	750 sqft
Attic	Attic
Attic Area	263 sqft
Basement Area	750 sqft
Finished Basement	250 sqft
Unfinished Basement	750 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,080 sqft (0.117 acres)
Lot Dimensions	127 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	305 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN HALL ADDITION LOT 11 BLK 4
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	BROWN HALL ADDITION
Legal Block	4
Legal Lot Number	11
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1100

Owner

Source: Black Hawk County records, as of October 21, 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	305 BERTCH AVE, WATERLOO, IA 50702-3614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Special Warranty Deed, Foreclosure
Sep 20, 2023	Sheriff's Deed, Foreclosure
Apr 16, 2020	Warranty Deed, Transfer · Conventional Mortgage BANKIOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2024 · Amount on Record
Deed Sale	Sep 20, 2024 · Amount on Record
Prior Sale	Sep 20, 2023 · Amount on Record
Deed Document Number	20244030
Prior Transfer Date	Sep 6, 2023
Prior Transfer Doc	0000004030
Record Updated	Oct 29, 2026

September 2023: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 22, 2023
Property Address	305 BERTCH AVE, WATERLOO, IA 50702-3614
Document Number	202400004123
Instrument Date	Sep 21, 2023
Instrument	202400004123
Transaction Type	Foreclosure
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	565 W MYRTLE ST # ST100, ST100, BOISE, ID 83702-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 GRANITE PKWY, PLANO, TX 75024-4126

September 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 20, 2023
Property Address	305 BERTCH AVE, WATERLOO, IA 50702-3614
Document Number	202400004030
Instrument Date	Sep 6, 2023
Instrument	202400004030
Transaction Type	Foreclosure
Record Updated	Oct 6, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 W MYRTLE ST # 100, 100, BOISE, ID 83702-7675

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Apr 16, 2020
Property Address	305 BERTCH AVE, WATERLOO, IA 50702-3614
Document Number	202000017848
Instrument Date	Apr 7, 2020
Instrument	202000017848
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	BLACK HAWK COUNTY ABSTRACT AND T, BLACK HAWK CNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 BERTCH AVE, WATERLOO, IA 50702-3614

Mortgage

Document Number	202000017849
Date	Apr 16, 2020
Instrument	202000017849

Lender

Name	BANKIOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$2,298.00 (-9.74%)	$112,550 (-4.12%) Land $12,610 Building $99,940	$112,550 (-4.12%) Land $12,610 Building $99,940
2024	$2,546.00 (+29.37%)
2023		$117,390 (+31.02%) Land $12,610 Building $104,780	$117,390 (+31.02%) Land $12,610 Building $104,780
2022	$1,968.00	$89,600 Land $12,610 Building $76,990
2021			$89,600 Land $12,610 Building $76,990

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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