904 Bertch Ave, Waterloo, IA 50702 Property Records

Black Hawk County property record for 904 Bertch Ave, Waterloo, IA 50702 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,058 sqft · built 1911
Lot Size	0.108 acres (4,699 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Aug 2024)
Tax Bill	$1,862 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8913-35-205-002`

Property Details

APN / Parcel Number

Primary APN	`8913-35-205-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,058 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Finished Basement	200 sqft
Unfinished Basement	572 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,699 sqft (0.108 acres)
Lot Dimensions	127 ft deep x 37 ft wide

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	904 BERTCH AVE
City	WATERLOO
State	IA
Zip	50702-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENFIELD ADDITION W 18 1/3 FT LOT 5 BLK 5 E 18 1/3 FT LOT 6 BLK 5
Legal Range	13W
Legal Township	89N
Legal Section	35
Legal Subdivision	GREENFIELD ADDITION
Legal Block	5
Legal Lot Number	5,6
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2007
Census Tract	1100

Owner

Source: Black Hawk County records · APN 8913-35-205-002

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	904 BERTCH AVE, WATERLOO, IA 50702-3110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Aug 06, 2021	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 11, 2024 · Amount on Record
Deed Sale	Aug 11, 2024 · Amount on Record
Prior Sale	Aug 11, 2023 · Amount on Record
Deed Document Number	20242024
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 11, 2023
Property Address	904 BERTCH AVE, WATERLOO, IA 50702-3110
Document Number	202400002024
Instrument Date	Aug 04, 2023
Instrument	202400002024
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
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	904 BERTCH AVE, WATERLOO, IA 50702-3110

Mortgage

Document Number	202400002025
Date	Aug 11, 2023
Instrument	202400002025

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Aug 06, 2021
Property Address	904 BERTCH AVE, WATERLOO, IA 50702-3110
Document Number	202200002782
Instrument Date	Jul 20, 2021
Instrument	202200002782
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	TITLE SERVICES CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$170.40
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	904 BERTCH AVE, WASHBURN, IA 50702-3110

Mortgage

Document Number	202200002783
Date	Aug 06, 2021
Instrument	202200002783

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2036

Tax Assessment & Valuation

Source: Black Hawk County records · Assessment roll updated October 17, 2025 · Last verified August 2026

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

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	$1,862.00 Homeowner's exemption	$104,440 (+8.78%) Land $11,660 Building $92,780	$104,440 (+8.78%) Land $11,660 Building $92,780
2024	$1,862.00 (+15.08%)
2023		$96,010 (+30.4%) Land $11,660 Building $84,350	$96,010 (+30.4%) Land $11,660 Building $84,350
2022	$1,618.00	$73,630 Land $11,660 Building $61,970
2021			$73,630 Land $11,660 Building $61,970

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Black Hawk County (19013C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190130011002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
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

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 645 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Waterloo Telecommunications Utility	Fiber	10,000 / 10,000
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50

May also be available at this address: Mediacom Communications, LTD Broadband, AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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