421 2nd Ave NE, Waverly, IA 50677 Property Records

Bremer County property record for 421 2nd Ave NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,951 sqft · built 1921
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Apr 2018)
Tax Bill	$4,384 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-202-013`

Property Details

APN / Parcel Number

Primary APN	`09-02-202-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,951 sqft Living Area
1st Floor Area	783 sqft
Basement Area	1,168 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	132 ft deep x 132 ft wide
Garage Type	Mixed
Garage Area	1,216 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	58 sqft
Deck Area	231 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	421 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 VAC ST & LOT 1 FR BLK 8
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	8
Legal Lot Number	1
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1002
Census Tract	4100

Owner

421 2nd Ave NE is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	421 2ND AVE NE, WAVERLY, IA 50677-1721
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
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Apr 27, 2018	Deed of Trust, Mortgage UNIVERSITY OF IOWA CREDIT UNION
Apr 27, 2018	Deed of Trust, Mortgage · ARM UNIVERSITY OF IOWA CREDIT UNION
Apr 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on File
Deed Sale	Apr 27, 2018 · Amount on File
Deed Document Number	20181485
Deed Book / Page	2018 / 1485
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	421 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20215158
Date	Oct 20, 2021
Instrument	20215158

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 15, 2036

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	421 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001487
Date	Apr 27, 2018
Book Page	0000002018/0000001487
Instrument	20181487

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Amount	Amount on Record
Term	117 Months
Due	Jan 1, 2028

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	421 2ND AVE NE, WAVERLY, IA 50677-1721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001486
Date	Apr 27, 2018
Book Page	0000002018/0000001486
Instrument	20181486

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.2%
Type Change Date	May 1, 2028
Index	1-Year CMT

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Apr 27, 2018
Property Address	421 2ND AVE NE, WAVERLY, IA 50677-1721
Document Number	2018/1485
Book / Page	2018 / 1485
Instrument Date	Apr 24, 2018
Instrument	20181485
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	421 2ND AVE NE, WAVERLY, IA 50677-1721

Tax Assessment & Valuation

The 2025 property tax bill for 421 2nd Ave NE was $4,384 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	$4,384.00 Homeowner's exemption	$263,980 Land $47,520 Building $216,460	$263,980 Land $47,520 Building $216,460
2023		$232,810 Land $39,270 Building $193,540	$232,810 Land $39,270 Building $193,540
2022	$3,622.00

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

Flood

FEMA maps place 421 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 421 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 289 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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