306 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 306 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 732 sqft · built 1940
Lot Size	0.115 acres (5,029 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Jul 2011)
Tax Bill	$1,922 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8913-35-108-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-108-002`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	732 sqft Living Area
1st Floor Area	732 sqft
Basement Area	732 sqft
Unfinished Basement	732 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,029 sqft (0.115 acres)
Lot Dimensions	107 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	28 sqft
Patio Area	436 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	306 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEVIS KOTHE ADDITION LOT 2
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	MEVIS KOTHE ADDITION
Legal Lot Number	2
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1011
Census Tract	1100

Owner

Source: Black Hawk County assessment roll, as of October 17, 2025

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 File
Mailing Address	306 BERTCH AVE, WATERLOO, IA 50702-3615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jul 11, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 6, 2011 · Amount on Record
Deed Sale	Jul 6, 2011 · Amount on Record
Deed Document Number	20112012000342
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	306 BERTCH AVE, WATERLOO, IA 50702-3615
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800009520
Date	Dec 1, 2017
Instrument	2018-00009520

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	306 BERTCH AVE, WATERLOO, IA 50702-3615
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100018563
Date	Mar 5, 2021
Instrument	202100018563

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 11, 2019
Property Address	306 BERTCH AVE, WATERLOO, IA 50702-3615
Document Number	202000000754
Instrument Date	Jul 11, 2019
Instrument	202000000754
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 BERTCH AVE, WATERLOO, IA 50702-3615

Mortgage

Document Number	202000000755
Date	Jul 11, 2019
Instrument	202000000755

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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	$1,922.00 Homeowner's exemption	$106,010 (+7.25%) Land $13,900 Building $92,110	$106,010 (+7.25%) Land $13,900 Building $92,110
2024	$1,922.00 (+27.45%)
2023		$98,840 (+27.52%) Land $13,900 Building $84,940	$98,840 (+27.52%) Land $13,900 Building $84,940
2022	$1,508.00 Homeowner's exemption	$77,510 Land $13,900 Building $63,610
2021			$77,510 Land $13,900 Building $63,610

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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