104 Bergen Dr, Waterloo, IA, 50701
About This Home
This beautiful condo offers comfort, convenience, and room to grow! With just under 1,500 sq. ft. on the main level, this 2 bedroom, 2 bathroom home features a spacious layout designed for easy everyday living. The main level includes luxury vinyl tile flooring, quartz countertops, quality Bertch cabinets, and a 2 stall garage for added convenience. The unfinished basement offers an additional 917 sq. ft. of potential, giving you the opportunity to add more living space, storage, a hobby area, or whatever best fits your needs. Located in a convenient area, this home combines low-maintenance living with quality finishes and future possibilities. Call 319-240-3492 today to set up a time to see it for yourself!
Getting Around
Car-Dependent
Minimal Transit
BikeableSchools
Construction
Condition
- Year built: 2023
Materials
- Roof: Asphalt
Type & Style
- Home type: SingleFamily
Interior
Appliances
- Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator
Basement
- Basement: Partially finished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Carpet,Laminate
Heating & Cooling
- Heating features: Forced air,Gas
- Cooling features: Central
Interior Area
- Total interior livable area: 1,457 sqft
Property
Features
- Exterior features: Vinyl
- Has view: Yes
- View description: City
Parking
- Total spaces: 2
- Parking features: Garage - Attached
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Winter Weather
- Hail
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,767 | $21,204 |
| Home Insurance * | $313 | $3,756 |
| Property Taxes | $387 | $4,644 |
| Electricity | $121 | $1,452 |
| Total | $2,588 | $31,056 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-21 | Listed for sale | $349,500 |
| 2026-01-24 | Listing removed | $374,500 |
| 2025-06-23 | Listed for sale | $374,500 |
| 2025-05-30 | Listing removed | $374,500 |
| 2025-05-22 | Listed for sale | $374,500 |
| 2024-07-01 | Listing removed | -- |
| 2024-03-31 | Listed for sale | $374,500 |
| 2024-03-30 | Listing removed | -- |
| 2023-09-29 | Listed for sale | $374,500 |
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