Black Hawk County property record for 820 Bertch Ave, Waterloo, IA 50702 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,208 sqft · built 1911 |
| Lot Size | 0.157 acres (6,858 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $177,000 (Mar 2026) |
| Tax Bill | $2,440 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8913-35-204-005 |
| Primary APN | 8913-35-204-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,208 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,858 sqft (0.157 acres) |
| Lot Dimensions | 127 ft deep x 54 ft wide |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 140 sqft |
|---|---|
| Patio Area | 436 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 820 BERTCH AVE |
|---|---|
| City | WATERLOO |
| State | IA |
| Zip | 50702-3233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREENFIELD ADDITION LOT 3 BLK 4 |
| Legal Range | 13W |
| Legal Township | 89N |
| Legal Section | 35 |
| Legal Subdivision | GREENFIELD ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | BLACK HAWK IA |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 1100 |
Source: Black Hawk County records · APN 8913-35-204-005
Assessment roll updated October 17, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 820 BERTCH AVE, WATERLOO, IA 50702-3233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 03, 2026 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| May 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU |
| Apr 06, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 03, 2026 · Amount on Record |
| Deed Sale | Mar 03, 2026 · Amount on Record |
| Prior Sale | May 25, 2023 · Amount on Record |
| Deed Document Number | 20262729 |
| Transfer Doc | 0000019598 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Mar 03, 2026 |
| Property Address | 820 BERTCH AVE, WATERLOO, IA 50702-3233 |
| Document Number | 0202602729 |
| Instrument Date | Mar 02, 2026 |
| Instrument | 2026-02729 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 820 BERTCH AVE, WATERLOO, IA 50702-3233 |
| Document Number | 0202602730 |
|---|---|
| Date | Mar 03, 2026 |
| Instrument | 2026-02730 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Number | 0202602731 |
|---|---|
| Date | Mar 03, 2026 |
| Instrument | 2026-02731 |
| Name | BLACK HAWK |
|---|---|
| Type | Private Party |
| Address | 1963 BELL AVE STE 200, DES MOINES, IA 50315 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | May 25, 2023 |
| Property Address | 820 BERTCH AVE, WATERLOO, IA 50702-3233 |
| Document Number | 202300015770 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 202300015770 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 820 BERTCH AVE, WASHBURN, IA 50702-3233 |
| Document Number | 202300015771 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 202300015771 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Number | 202300015772 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 202300015772 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50701 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Jun 01, 2030 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BLACK HAWK IA |
| Recording Date | Apr 06, 2022 |
| Property Address | 820 BERTCH AVE, WATERLOO, IA 50702-3233 |
| Document Number | 202200019598 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 202200019598 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 BERTCH AVE, WATERLOO, IA 50702-3233 |
Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Black Hawk County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,440.00 | $121,550 (+8.79%) Land $17,020 Building $104,530 | $121,550 (+8.79%) Land $17,020 Building $104,530 |
| 2024 | $2,440.00 (+35.86%) | ||
| 2023 | $111,730 (+23.2%) Land $17,020 Building $94,710 | $111,730 (+23.2%) Land $17,020 Building $94,710 | |
| 2022 | $1,796.00 Homeowner's exemption | $90,690 Land $17,020 Building $73,670 | |
| 2021 | $90,690 Land $17,020 Building $73,670 |
Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AO, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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