415 2nd Ave NE, Waverly, IA 50677 Property Records

Bremer County property record for 415 2nd Ave NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 984 sqft · built 1967
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$219,000 (Apr 2025)
Tax Bill	$3,494 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2023 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-202-012`

Property Details

APN / Parcel Number

Primary APN	`09-02-202-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Building Area	984 sqft Living Area
Basement Area	984 sqft
Finished Basement	750 sqft
Unfinished Basement	534 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 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 2 FR BLK 8
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	8
Legal Lot Number	2
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1002
Census Tract	4100

Owner

415 2nd Ave NE is owned and occupied by two individuals who bought it in April 2025.

Source: Bremer County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jun 13, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Apr 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
May 18, 2018	Deed of Trust, Mortgage · Line of Credit STATE BANK
Jun 23, 2017	Deed of Trust, Mortgage VERIDIAN CU
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY BANK & TRUST NA
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	Jul 23, 2021 · Amount on File
Deed Document Number	20251255
Prior Transfer Date	Sep 27, 2018
Prior Transfer Doc	0000003742
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020213743
Date	Jul 26, 2021
Instrument	20213743

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2031

Interest

Rate Type	Fixed Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020231602
Date	Jun 13, 2023
Instrument	20231602

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020171435
Date	Apr 20, 2017
Instrument	20171435

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2037

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001783
Date	May 18, 2018
Book Page	0000002018/0000001783
Instrument	20181783

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020172346
Date	Jun 23, 2017
Instrument	20172346

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Amount	Amount on Record
Term	61 Months
Due	Jul 1, 2022

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020203548
Date	Aug 21, 2020
Instrument	20203548

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 21, 2030

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020203547
Date	Aug 21, 2020
Instrument	20203547

Lender

Name	FIDELITY BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2040

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Jul 23, 2021
Property Address	415 2ND AVE NE, WAVERLY, IA 50677-1721
Document Number	0020213714
Instrument Date	Jul 21, 2021
Instrument	20213714
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	$287.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 2ND AVE NE, WAVERLY, IA 50677-1721

Mortgage

Document Number	0020213715
Date	Jul 23, 2021
Instrument	20213715

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Month LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 415 2nd Ave NE was $3,494 with a homeowner's exemption.

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	$3,494.00 Homeowner's exemption	$224,700 Land $26,400 Building $198,300	$224,700 Land $26,400 Building $198,300
2023		$203,250 Land $23,100 Building $180,150	$203,250 Land $23,100 Building $180,150
2022	$3,060.00

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

Flood

FEMA maps place 415 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 415 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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