815 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 815 Bertch Ave, Waterloo, IA 50702

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 823 sqft · built 1906
Lot Size	0.079 acres (3,429 sqft)
Owner	Individual Name on Record
Last Sale	$56,500 (Jul 2017)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-201-014`

Property Details

APN / Parcel Number

Primary APN	`8913-35-201-014`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	823 sqft Living Area
1st Floor Area	823 sqft
Basement Area	823 sqft
Finished Basement	125 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	3,429 sqft (0.079 acres)
Lot Dimensions	127 ft deep x 27 ft wide
Patio Area	224 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	815 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENFIELD ADDITION E 27 FT LOT 10 BLK 3
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	GREENFIELD ADDITION
Legal Block	3
Legal Lot Number	10
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2005
Census Tract	1100

Owner

Source: Black Hawk County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	402 MARSH ST, WATERLOO, IA 50701-2863
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2017	Deed of Trust, Mortgage · Closed-End Mortgage STATE BANK
Jul 12, 2017	Warranty Deed, Transfer · Closed-End Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Oct 22, 2014 · Amount on Record
Deed Document Number	20172018-00000523
Prior Transfer Date	Oct 27, 2014
Prior Transfer Doc	201500007934
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	815 BERTCH AVE, WATERLOO, IA 50702-3232
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800000524
Date	Jul 12, 2017
Instrument	2018-00000524

Lender

Name	STATE BANK
Type	Bank
Address	NEW HAMPTON, IA 50659

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Jul 12, 2017
Property Address	815 BERTCH AVE, WATERLOO, IA 50702-3232
Document Number	201800000523
Instrument Date	Jul 10, 2017
Instrument	2018-00000523
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 BERTCH AVE, WATERLOO, IA 50702-3232

Mortgage

Document Number	201800000525
Date	Jul 12, 2017
Instrument	2018-00000525

Lender

Name	STATE BANK
Type	Bank
Address	NEW HAMPTON, IA 50659

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,658.00	$83,200 (+8.89%) Land $8,510 Building $74,690	$83,200 (+8.89%) Land $8,510 Building $74,690
2024	$1,658.00 (+22.45%)
2023		$76,410 (+23.86%) Land $8,510 Building $67,900	$76,410 (+23.86%) Land $8,510 Building $67,900
2022	$1,354.00	$61,690 Land $8,510 Building $53,180
2021			$61,690 Land $8,510 Building $53,180

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · 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	1 in force
Nearby Flood Claims	5 (1979–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2013 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) 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 734 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: GigFire, Nextlink, T-Mobile, Verizon.

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