3605 Monaghan Dr, Waverly, IA 50677 Property Records

Bremer County property record for 3605 Monaghan Dr, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 2005
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2021)
Tax Bill	$4,380 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-07-127-027`

Property Details

APN / Parcel Number

Primary APN	`10-07-127-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Basement Area	1,152 sqft
Finished Basement	650 sqft
Unfinished Basement	427 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	196 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	3605 MONAGHAN DR
City	WAVERLY
State	IA
Zip	50677-9049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	07-91-13 ROLLING HILLS ADD LOT 10
Legal Range	13W
Legal Township	91N
Legal Section	07
Legal Subdivision	ROLLING HILLS 1ST
Legal Lot Number	10
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	2
Census Block	2001
Census Tract	4200

Owner

3605 Monaghan Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Bremer County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3605 MONAGHAN DR, WAVERLY, IA 50677-9049
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREEN STATE CU
Dec 3, 2021	Joint Tenancy Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on File
Deed Sale	Dec 3, 2021 · Amount on File
Prior Sale	Jun 19, 2006 · Amount on File
Deed Document Number	20215817
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	3605 MONAGHAN DR, WAVERLY, IA 50677-9049
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201315
Date	Apr 21, 2020
Instrument	20201315

Lender

Name	GREEN STATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

December 2021: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BREMER IA
Recording Date	Dec 3, 2021
Property Address	3605 MONAGHAN DR, WAVERLY, IA 50677-9049
Document Number	0020215817
Instrument Date	Dec 3, 2021
Instrument	20215817
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.20
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3605 MONAGHAN DR, WAVERLY, IA 50677-9049

Mortgage

Document Number	0020215818
Date	Dec 3, 2021
Instrument	20215818

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3605 Monaghan Dr was $4,380.

Source: Bremer County assessment roll, as of September 18, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Bremer County
Municipality	Waverly City
Unified School District	Waverly-Shell Rock Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,380.00	$252,910 Land $43,650 Building $209,260	$252,910 Land $43,650 Building $209,260
2023		$245,980 Land $34,560 Building $211,420	$245,980 Land $34,560 Building $211,420
2022	$4,068.00

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

Flood

FEMA maps place 3605 Monaghan Dr in Zone X, an area of minimal flood risk, though there have been 111 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · 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
Flood Insurance Cost	Premium on File median of 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	111 (1979–2016)
Claims Outside the SFHA	14 of 111
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 39 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 58 claims Severe Storms & Flooding, Aug 1993 · 10 claims

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

Wildfire risk around 3605 Monaghan Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	WAVERLY WATER DEPARTMENT serves 10,394 people · EPA ID IA0990085
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2021–2023) 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waverly Communications Utility Fiber	10,000 / 10,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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