514 2nd Ave NE, Waverly, IA 50677 Property Records

Bremer County property record for 514 2nd Ave NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,415 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Nov 2024)
Tax Bill	$3,186 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-205-003`

Property Details

APN / Parcel Number

Primary APN	`09-02-205-003`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,415 sqft Living Area
1st Floor Area	976 sqft
Attic	Attic
Attic Area	439 sqft
Basement Area	976 sqft
Finished Basement	350 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
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	1,152 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Deck Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	514 2ND AVE NE
City	WAVERLY
State	IA
Zip	50677-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-91-14 CRETZMEYER LOT 2 BLK 26
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	26
Legal Lot Number	2
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1009
Census Tract	4100

Owner

514 2nd Ave NE is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	514 2ND AVE NE, WAVERLY, IA 50677-1722
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
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PREMIER LENDING LLC
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK
Jul 23, 2018	Warranty Deed, Transfer PREMIER LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2024 · Amount on File
Deed Sale	Nov 18, 2024 · Amount on File
Prior Sale	Oct 1, 2021 · Amount on File
Deed Document Number	20243173
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	514 2ND AVE NE, WAVERLY, IA 50677-1722
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201984
Date	Jun 1, 2020
Instrument	20201984

Lender

Name	PREMIER LENDING LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Oct 1, 2021
Property Address	514 2ND AVE NE, WAVERLY, IA 50677-1722
Document Number	0020214830
Instrument Date	Sep 28, 2021
Instrument	20214830
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	$248.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	514 2ND AVE NE, WAVERLY, IA 50677-1722

Mortgage

Document Number	0020214831
Date	Oct 1, 2021
Instrument	20214831

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BREMER IA
Recording Date	Jul 23, 2018
Property Address	514 2ND AVE NE, WAVERLY, IA 50677-1722
Document Number	2018/2781
Book / Page	2018 / 2781
Instrument Date	Jul 10, 2018
Instrument	20182781
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	514 2ND AVE NE, WAVERLY, IA 50677-1722

Mortgage

Document Number	0000002018/0000002782
Date	Jul 23, 2018
Book Page	0000002018/0000002782
Instrument	20182782

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 514 2nd Ave NE was $3,186.

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	$3,186.00	$194,810 Land $26,400 Building $168,410	$194,810 Land $26,400 Building $168,410
2023		$182,210 Land $23,100 Building $159,110	$182,210 Land $23,100 Building $159,110
2022	$2,984.00

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

Flood

FEMA maps place 514 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 514 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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