103 Fairway Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 103 Fairway Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,606 sqft · built 2017
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Tax Bill	$7,232 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-449-002-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-449-002-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	2,606 sqft Living Area
1st Floor Area	1,303 sqft
Basement Area	1,303 sqft
Unfinished Basement	1,303 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	14,810 sqft (0.34 acres)
Garage Area	374 sqft
Porch	Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	103 FAIRWAY DR
City	WATERLOO
State	IL
Zip	62298-1581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 2 EAST RIDGE 5
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1007
Census Tract	600401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 FAIRWAY DR, WATERLOO, IL 62298-1581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit HUD
Sep 1, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jun 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 19, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	103 FAIRWAY DR, WATERLOO, IL 62298-1581
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430349
Date	Aug 30, 2023
Instrument	430349

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	348 Months
Due	Sep 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	103 FAIRWAY DR, WATERLOO, IL 62298-1581
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425892
Date	Sep 1, 2022
Instrument	425892

Lender

Name	NEWREZ LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	103 FAIRWAY DR, WATERLOO, IL 62298-1581
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402036
Date	Jun 19, 2019
Instrument	402036

Lender

Name	NEWREZ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 19, 2017
Property Address	103 FAIRWAY DR, WATERLOO, IL 62298-1581
Document Number	0000392017
Instrument Date	Sep 19, 2017
Instrument	392017
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$403.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 FAIRWAY DR WATERLOO IL 622981581, WATERLOO, IL 62298-1581

Mortgage

Document Number	392018
Date	Sep 19, 2017
Instrument	392018

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

Interest

Rate Type	Fixed Rate
Rate	1.87%

Tax Assessment & Valuation

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	$7,232.00 (+3.48%) Homeowner's exemption	$124,280 (+34.53%) Land $17,180 Building $107,100	$372,840 (+34.53%) Land $51,540 Building $321,300
2024	$6,989.00
2022	Additional exemption filed	$92,380 Land $15,650 Building $76,730	$277,140 Land $46,950 Building $230,190

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

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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