515 2nd Ave NE, Waverly, IA 50677 Property Records

Bremer County property record for 515 2nd Ave NE, Waverly, IA 50677

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1977
Lot Size	0.194 acres (8,451 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Sep 2021)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-202-018`

Property Details

APN / Parcel Number

Primary APN	`09-02-202-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,451 sqft (0.194 acres)
Lot Dimensions	132 ft deep x 64 ft wide
Deck Area	80 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	515 2ND AVE NE
City	WAVERLY
State	IA
Zip	50677-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	02-91-14 CRETZMEYER W 55' LOT 2 FR BLK 7 & E 9' LOT 3 FR BLK 7
Legal Range	14W
Legal Township	91N
Legal Section	02
Legal Subdivision	CRETZMEYER'S ADD
Legal Block	7
Legal Lot Number	2,3
Jurisdiction	BREMER IA
Township / Civil Division	WAVERLY
Census Block Group	1
Census Block	1002
Census Tract	4100

Owner

515 2nd Ave NE is owned and occupied by an individual who acquired it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	515 2ND AVE NE, WAVERLY, IA 50677-1723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 4, 2025	Intrafamily Transfer, Transfer
Sep 10, 2021	Joint Tenancy Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2021 · Amount on File
Deed Sale	Sep 10, 2021 · Amount on File
Prior Sale	Dec 17, 2008 · Amount on File
Deed Document Number	20214455
Last Transfer Date	Sep 23, 2025
Transfer Doc	0020253558
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BREMER IA
Property Address	515 2ND AVE NE, WAVERLY, IA 50677-1723
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 2ND AVE NE, WAVERLY, IA 50677-1723

Mortgage

Document Number	0020240969
Date	Apr 23, 2024
Instrument	20240969

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BREMER IA
Recording Date	Nov 4, 2025
Property Address	515 2ND AVE NE, WAVERLY, IA 50677-1723
Document Number	0020253558
Instrument Date	Sep 23, 2025
Instrument	20253558
Transaction Type	Transfer
Record Updated	Dec 16, 2025

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
Address	515 2ND AVE NE, WAVERLY, IA 50677-1723

September 2021: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	BREMER IA
Recording Date	Sep 10, 2021
Property Address	515 2ND AVE NE, WAVERLY, IA 50677-1723
Document Number	0020214455
Instrument Date	Sep 8, 2021
Instrument	20214455
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Amount	Amount on Record
Tax	$252.00
Amount Accuracy	Rounded by County
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	515 2ND AVE NE, WAVERLY, IA 50677-1723

Tax Assessment & Valuation

The 2025 property tax bill for 515 2nd Ave NE was $3,360, up 7.6% 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	$3,360.00 (+7.55%)	$194,050 Land $25,600 Building $168,450	$194,050 Land $25,600 Building $168,450
2024	$3,124.00
2023		$176,680 Land $22,400 Building $154,280	$176,680 Land $22,400 Building $154,280
2022	$2,854.00

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

Flood

FEMA maps place 515 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 515 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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