315 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 315 Bertch Ave, Waterloo, IA 50702 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft · built 1941
Lot Size	0.116 acres (5,080 sqft)
Owner	Individual Name on File
Last Sale	$72,000 (Jun 2003)
Deeds & Mortgages	Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`8913-35-104-009`

Property Details

APN / Parcel Number

Primary APN	`8913-35-104-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	624 sqft Living Area
Basement Area	624 sqft
Game Room	Game Room
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Architectural Style	A-Frame
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,080 sqft (0.116 acres)
Lot Dimensions	127 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Patio Area	112 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	315 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN HALL ADDITION LOT 9 BLK 4
Legal Range	13
Legal Township	89
Legal Section	35
Legal Subdivision	BROWN HALL ADDITION
Legal Block	4
Legal Lot Number	9
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1004
Census Tract	1100

Owner

Source: Black Hawk County records · APN 8913-35-104-009

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	315 BERTCH AVE, WATERLOO, IA 50702-3614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 26, 2003 · Amount on Record
Deed Sale	Jun 26, 2003 · Amount on Record
Deed Document Number	0200339588
Record Updated	Jun 08, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	315 BERTCH AVE, WATERLOO, IA 50702-3614
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 BERTCH AVE, WATERLOO, IA 50702-3614

Mortgage

Document Number	202400005775
Date	Oct 31, 2023
Instrument	202400005775

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated May 1, 2025 · Last verified October 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

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

Year	Assessed Value	Assessed Market Value
2025	$90,390 (+7.07%) Land $12,610 Building $77,780	$90,390 (+7.07%) Land $12,610 Building $77,780
2023	$84,420 Land $12,610 Building $71,810	$84,420 Land $12,610 Building $71,810

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130011001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010, other causes, Severe Storms, Flooding, And Tornadoes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 734 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50

May also be available at this address: Mediacom Communications, AMG Technology Investment Group, LTD Broadband, T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.