402 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 402 Bertch Ave, Waterloo, IA 50702 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1939
Lot Size	0.134 acres (5,832 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (May 2020)
Tax Bill	$3,430 (2025)
Deeds & Mortgages	May 2020 Transfer May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-130-001`

Property Details

APN / Parcel Number

Primary APN	`8913-35-130-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
1st Floor Area	832 sqft
Attic	Attic
Attic Area	374 sqft
Basement Area	898 sqft
Finished Basement	700 sqft
Unfinished Basement	898 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,832 sqft (0.134 acres)
Lot Dimensions	108 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	830 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Patio Area	562 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	402 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAYS ADDITION W 54 FT LOT 6 BLK 3 W 54 FT LOT 7 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	FAYS ADDITION
Legal Block	3
Legal Lot Number	6,7
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1012
Census Tract	1100

Owner

Source: Black Hawk County records · APN 8913-35-130-001

Assessment roll updated October 17, 2025 · Last verified June 2026

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	402 BERTCH AVE, WATERLOO, IA 50702-3617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Intrafamily Transfer, Transfer
May 06, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 06, 2020 · Amount on Record
Deed Sale	May 06, 2020 · Amount on Record
Prior Sale	May 14, 2007 · Amount on Record
Deed Document Number	202019230
Last Transfer Date	May 27, 2020
Transfer Doc	0000020893
Record Updated	Sep 20, 2026

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLACK HAWK IA
Recording Date	May 29, 2020
Property Address	402 BERTCH AVE, WATERLOO, IA 50702-3617
Document Number	202000020893
Instrument Date	May 27, 2020
Instrument	202000020893
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	402 BERTCH AVE, WASHBURN, IA 50702-3617

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	May 06, 2020
Property Address	402 BERTCH AVE, WATERLOO, IA 50702-3617
Document Number	202000019230
Instrument Date	Jan 15, 2020
Instrument	202000019230
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 BERTCH AVE, WATERLOO, IA 50702-3617

Mortgage

Document Number	202000019231
Date	May 06, 2020
Instrument	202000019231

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 05, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 01, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	5.87%
Index	1-Year CMT
Margin	5
Max Rate	9.87%

Mortgage

Document Number	202000019232
Date	May 06, 2020
Instrument	202000019232

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 05, 2030

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified June 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	$3,430.00 Homeowner's exemption	$182,870 (+8.66%) Land $15,970 Building $166,900	$182,870 (+8.66%) Land $15,970 Building $166,900
2024	$3,430.00 (+27.6%)
2023		$168,290 (+28.23%) Land $15,970 Building $152,320	$168,290 (+28.23%) Land $15,970 Building $152,320
2022	$2,688.00 Homeowner's exemption	$131,240 Land $15,970 Building $115,270
2021			$131,240 Land $15,970 Building $115,270

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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