# 1146 Kern St., Waterloo, IA 50703 > **TL;DR:** 3bd/1ba single family, $99,900 ($94/sqft), built 1914, 1,058 sqft. Est. $534/mo. Listed 68 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $99,900 | | Price/sqft | $94 | | Bedrooms | 3 | | Bathrooms | 1 full, 1 half | | Square Feet | 1,058 | | Year Built | 1914 | | Lot Size | 4,792 sqft (0.11 acres) | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 68 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $505 | | Estimated Insurance | $29 | | **Total** | **$534** | ## Nearby Schools - **Elementary:** Lincoln Elementary Waterloo - **Middle:** George Washington Carver Academy - **High:** East High ## Property Highlights - Built in 1914 - 0.11 acre lot ## Description ### Agent Description 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. ## Location - **Address:** 1146 Kern St., Waterloo, IA 50703 - **County:** Black Hawk - **Coordinates:** 42.515147, -92.361903 - **Google Maps:** https://www.google.com/maps?q=42.515147,-92.361903 ## Listing Agent - **Name:** Michael Taylor - **Brokerage:** Lockard Realty Co. - **Phone:** 3192393659 - **Broker Phone:** (319) 493-4000 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/1146-Kern-St_Waterloo_IA_50703_M86655-96505?f=listhub&s=WCFBORIA&m=20263092&c=propsimple) ## Photos ![1146 Kern St. - Photo 1](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f175204470r.jpg) ![1146 Kern St. - Photo 2](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3405651342r.jpg) ![1146 Kern St. - Photo 3](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f845357790r.jpg) ![1146 Kern St. - Photo 4](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f40964107r.jpg) ![1146 Kern St. - Photo 5](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3595611366r.jpg) ![1146 Kern St. - Photo 6](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2518762647r.jpg) ![1146 Kern St. - Photo 7](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2458265397r.jpg) ![1146 Kern St. - Photo 8](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3476064101r.jpg) ![1146 Kern St. - Photo 9](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2099147890r.jpg) ![1146 Kern St. - Photo 10](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f926695119r.jpg) ![1146 Kern St. - Photo 11](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f630219653r.jpg) ![1146 Kern St. - Photo 12](http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3250441380r.jpg) --- **MLS#:** 20263092 | **Updated:** 2026-07-09 **Source:** listhub *Copyright © 2026 Northeast Iowa Regional Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092#listing", "url": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092", "name": "1146 Kern St., Waterloo, IA 50703", "description": "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.", "image": [ "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f175204470r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3405651342r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f845357790r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f40964107r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3595611366r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2518762647r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2458265397r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3476064101r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2099147890r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f926695119r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f630219653r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3250441380r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f175204470r.jpg", "caption": "1146 Kern St. - Waterloo, IA" }, "datePosted": "2026-07-08T00:00:00+00:00", "dateModified": "2026-07-09T02:06:52.676825+00:00", "mainEntity": { "@type": "Accommodation", "@id": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092#property", "name": "1146 Kern St., Waterloo, IA 50703", "address": { "@type": "PostalAddress", "streetAddress": "1146 Kern St.", "addressLocality": "Waterloo", "addressRegion": "IA", "postalCode": "50703", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 42.515147, "longitude": -92.361903 }, "image": [ "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f175204470r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3405651342r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f845357790r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f40964107r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3595611366r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2518762647r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2458265397r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3476064101r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f2099147890r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f926695119r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f630219653r.jpg", "http://lh.rdcpix.com/0229af0d74eca74f0a5d1ae093a7b928l-f3250441380r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "20263092" }, "accommodationCategory": "Single Family Residence", "numberOfBedrooms": 3, "numberOfBathroomsTotal": 1, "numberOfFullBathrooms": 1, "numberOfPartialBathrooms": 1, "floorSize": { "@type": "QuantitativeValue", "value": 1058, "unitCode": "FTK", "unitText": "square feet" }, "yearBuilt": 1914, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Heating", "value": "Electric (Heating)" }, { "@type": "LocationFeatureSpecification", "name": "Cooling", "value": "Ceiling Fan(s)" } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.11 acres" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Single Family Residence" } ] }, "offers": { "@type": "Offer", "@id": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092#offer", "url": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092", "price": 99900, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092#agent" } }, "provider": { "@type": "Person", "@id": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092#agent", "name": "Michael Taylor", "telephone": "3192393659", "worksFor": { "@type": "Organization", "@id": "https://www.propertysimple.ai/listing/1146-kern-st-waterloo-ia-50703-20263092#brokerage", "name": "Lockard Realty Co.", "telephone": "(319) 493-4000" } } } ```