10 Mary Ct, Waterloo, IL 62298 Property Records

Monroe County property record for 10 Mary Ct, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,410 sqft · built 1993
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,432 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-013-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	1,410 sqft Building Perimeter
1st Floor Area	844 sqft
Upper Floors Area	566 sqft
Basement Area	705 sqft
Unfinished Basement	705 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,326 sqft (0.26 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	665 sqft

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	352 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10 MARY CT
City	WATERLOO
State	IL
Zip	62298-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 13 LAKEVIEW ESTATES WEST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

Owner

10 Mary Ct is owned and occupied by two individuals.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 MARY CT, WATERLOO, IL 62298-1835
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit STATE BANK
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
May 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Nov 7, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	May 1, 2026
Property Address	10 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000442375
Instrument Date	Apr 24, 2026
Instrument	2026442375
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MARY CT, WATERLOO, IL 62298-1835
Investor	Possibly a Property Investor

Mortgage

Document Number	0000442375,
Date	May 1, 2026
Instrument	2026442375

Lender

Name	STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 15, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420144
Date	Oct 5, 2021
Instrument	420144

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 15, 2026

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420002
Date	Sep 30, 2021
Instrument	420002

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401910
Date	Jun 12, 2019
Instrument	401910

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 4, 2034

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401557
Date	May 21, 2019
Instrument	401557

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000393008
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 MARY CT WATERLOO IL 622981835, WATERLOO, IL 62298-1835

Mortgage

Document Number	0000393008
Date	Nov 20, 2017
Instrument	393008

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MATTOON, IL 61938

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Nov 19, 2020

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 10 Mary Ct was $6,432, up 8.4% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,432.00 (+8.37%) Homeowner's exemption	$111,170 Land $16,650 Building $94,520	$333,510 Land $49,950 Building $283,560
2024	$5,935.00
2022	Additional exemption filed	$84,020 Land $15,330 Building $68,690	$252,060 Land $45,990 Building $206,070

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10 Mary Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

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.

Wildfire

Wildfire risk around 10 Mary Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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