320 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 320 Bertch Ave, Waterloo, IA 50702 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 718 sqft · built 1940
Lot Size	0.119 acres (5,184 sqft)
Owner	Individual Name on File
Last Sale	$73,500 (Jul 2021)
Tax Bill	$1,440 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-108-005`

Property Details

APN / Parcel Number

Primary APN	`8913-35-108-005`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	718 sqft Living Area
1st Floor Area	616 sqft
Basement Area	616 sqft
Finished Basement	600 sqft
Unfinished Basement	616 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	108 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	55 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	320 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEVIS KOTHE ADDITION LOT 5
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	MEVIS KOTHE ADDITION
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1011
Census Tract	1100

Owner

Source: Black Hawk County records · APN 8913-35-108-005

Assessment roll updated October 17, 2025 · Last verified August 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 File
Mailing Address	402 BERTCH AVE, WATERLOO, IA 50702-3617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Dec 15, 2014 · Amount on Record
Deed Document Number	20211454
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 20, 2021
Property Address	320 BERTCH AVE, WATERLOO, IA 50702-3615
Document Number	202200001454
Instrument Date	Jul 14, 2021
Instrument	202200001454
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$116.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 BERTCH AVE, WASHBURN, IA 50702-3615

Mortgage

Document Number	202200001455
Date	Jul 20, 2021
Instrument	202200001455

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 05, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 05, 2031
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,440.00 Homeowner's exemption	$96,820 (+7.21%) Land $14,200 Building $82,620	$96,820 (+7.21%) Land $14,200 Building $82,620
2024	$1,440.00 (+4.65%)
2023		$90,310 Land $14,200 Building $76,110	$90,310 Land $14,200 Building $76,110
2022	$1,376.00

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.

Mobile Coverage

5G and 4G LTE

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