For sale

$99,900

1146 Kern St, Waterloo, IA 50703

3beds

1,058sqft

$757/mo

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Single Family Residence

Built in 1914

4,791 Square Feet Lot

$94,800 Zestimate^®

$94/sqft

$-- HOA

What's special

Step into this inviting 3-bedroom home where timeless natural woodwork adds warmth and character you simply can’t find in newer homes. From the beautiful original wood trim to its cozy feel, this home offers the perfect blend of charm and opportunity. Whether you’re a first-time homebuyer looking for an affordable place to call your own or an investor searching for your next great property, this home is perfectly priced and full of potential. With spacious living areas, classic details, and endless possibilities to make it your own, this is an opportunity you won’t want to miss.

39 days

179

9

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 1
Full bathrooms: 1
1/2 bathrooms: 1

Other

Level: Upper

Other

Level: Main

Other

Level: Lower

Heating

Electric

Cooling

Ceiling Fan(s), None

Features

Basement: Block
Has fireplace: No
Fireplace features: None

Interior area

Total interior livable area: 1,058 sqft
Finished area below ground: 0

Property

Parking

Total spaces: 1
Parking features: 1 Stall
Carport spaces: 1

Lot

Size: 4,791 Square Feet
Dimensions: 35x39x130x130

Details

Parcel number: 891315478022
Zoning: R-1
Special conditions: Standard

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

Other
Roof: Asphalt

Condition

Year built: 1914

Utilities & green energy

Sewer: Public Sewer
Water: Public

Community & HOA

Location

Region: Waterloo

Financial & listing details

Price per square foot: $94/sqft
Tax assessed value: $64,340
Annual tax amount: $1,291
Date on market: 7/8/2026
Cumulative days on market: 40 days
Road surface type: Crushed Rock

Estimated market value

$94,800

$90,000 - $100,000

$1,050/mo

Price history

Date	Event	Price
7/8/2026	Listed for sale	$99,900+185.4%$94/sqft
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20263092 Report a problem
6/26/2015	Sold	$35,000+250%$33/sqft
Source: Northeast Iowa Regional BOR as distributed by MLS GRID #20153761 Report a problem
6/15/1995	Sold	$10,000$9/sqft
Source: Agent Provided Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,292 +8.5%	$64,340 +8.1%
2024	$1,190 +16.6%	$59,540
2023	$1,021 +2.7%	$59,540 +28.1%
2022	$994 +2.8%	$46,490
2021	$967 +1.6%	$46,490 +8.9%
2020	$951 -12.1%	$42,680
2019	$1,082 +0.8%	$42,680 -11.4%
2018	$1,074 0%	$48,150
2017	$1,074 -1.6%	$48,150
2016	$1,092	$48,150
2015	$1,092 +6.6%	$48,150 +6%
2014	$1,024 -9.5%	$45,420 -15.3%
2012	$1,132 +3.9%	$53,620
2011	$1,089 +3.3%	$53,620 +2%
2010	$1,055 +2.8%	$52,580
2009	$1,026 +2.2%	$52,580
2008	$1,004 +1.7%	$52,580 +7%
2007	$988 -0.5%	$49,140
2006	$993 +18.8%	$49,140
2005	$835 +5.8%	$49,140 +39.6%
2003	$789 +1.7%	$35,200
2002	$776 +10.7%	$35,200 +18%
2001	$701	$29,830

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

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Climate risks

Neighborhood: Chautauqua Park

Getting around

26 / 100

Car-Dependent

20 / 100

Minimal Transit

51 / 100

Bikeable

Nearby schools

GreatSchools rating

3/10
Lincoln Elementary School
Grades: PK-5Distance: 0.3 mi
2/10
George Washington Carver Academy
Grades: 6-8Distance: 1.2 mi
2/10
East High School
Grades: 9-12Distance: 1.9 mi

Schools provided by the listing agent

Elementary: Lincoln Elementary Waterloo
Middle: George Washington Carver Academy
High: East High

Source: Northeast Iowa Regional BOR as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.