403 2nd Ave NE, Waverly, IA 50677 Property Records

Bremer County property record for 403 2nd Ave NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,560 sqft · built 1915
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Last Sale	$250,500 (Oct 2025)
Tax Bill	$3,596 (2025)
Deeds & Mortgages	Feb 2026 Transfer Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-202-010`

Property Details

APN / Parcel Number

Primary APN	`09-02-202-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Finished Basement	100 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	326 sqft
Deck Area	96 sqft
Patio Area	514 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	403 2ND AVE NE
City	WAVERLY
State	IA
Zip	50677-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-91-14 CRETZMEYER LOT 4 FR BLK 8
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	8
Legal Lot Number	4
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1002
Census Tract	4100

Owner

403 2nd Ave NE is owner-occupied and held in a trust since October 2025.

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

Owner of Record	Trust Name on File
Mailing Address	403 2ND AVE NE, WAVERLY, IA 50677-1721
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Feb 26, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Sep 10, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIDELITY BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Oct 16, 2024 · Amount on File
Deed Document Number	20253356
Prior Transfer Date	Sep 22, 2009
Prior Transfer Doc	20094553
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BREMER IA
Recording Date	Feb 26, 2026
Property Address	403 2ND AVE NE, WAVERLY, IA 50677-1721
Document Number	0020260558
Instrument Date	Feb 7, 2026
Instrument	20260558
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	403 2ND AVE NW, WAVERLY, IA 50677

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	403 2ND AVE NW, WAVERLY, IA 50677

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	403 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 7TH AVE NW, WAVERLY, IA 50677-1555

Mortgage

Document Number	0020253357
Date	Oct 20, 2025
Instrument	20253357

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	403 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 7TH AVE NW, WAVERLY, IA 50677-1555

Mortgage

Document Number	0020253426
Date	Oct 23, 2025
Instrument	20253426

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Sep 10, 2019
Property Address	403 2ND AVE NE, WAVERLY, IA 50677-1721
Document Number	20192989
Instrument Date	Aug 30, 2019
Instrument	20192989
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 2ND AVE NE, WAVERLY, IA 50677-1721

Mortgage

Document Number	0020192990
Date	Sep 10, 2019
Instrument	20192990

Lender

Name	FIDELITY BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 403 2nd Ave NE was $3,596 with a homeowner's exemption, up 1% from the year before.

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	$3,596.00 (+10.04%) Homeowner's exemption	$207,600 Land $26,400 Building $181,200	$207,600 Land $26,400 Building $181,200
2024	$3,268.00
2023		$205,920 Land $23,100 Building $182,820	$205,920 Land $23,100 Building $182,820
2022	$3,110.00

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

Flood

FEMA maps place 403 2nd Ave NE in Zone X, an area of minimal flood risk, though there have been 46 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	46 (1979–2016)
Claims Outside the SFHA	4 of 46
Most Recent Claim	Sep 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2016 · 16 claims Severe Storms, Tornadoes, And Flooding, Jun 2008 · 20 claims Severe Storms & Flooding, Aug 1993 · 5 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 403 2nd Ave NE 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 96% of the US · lower than 71% 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 201 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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