103 Lincoln Dr, Waterloo, IL 62298 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,455 sqft · built 1999
Lot Size	0.24 acres (10,445 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jun 2026)
Tax Bill	$5,494 (2025)
Deeds & Mortgages	Jun 2026 Sale Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-369-003-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-369-003-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,455 sqft Living Area
1st Floor Area	1,455 sqft
Basement Area	1,455 sqft
Unfinished Basement	1,455 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	10,445 sqft (0.24 acres)
Garage Area	632 sqft
Driveway	Concrete Driveway
Driveway Area	702 sqft
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 LINCOLN DR
City	WATERLOO
State	IL
Zip	62298-1571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 154 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	154
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1009
Census Tract	600401

Owner

103 Lincoln Dr is owned by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	36 ACORN LAKE DR, BELLEVILLE, IL 62221-4446
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 1, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Oct 15, 2021	Beneficiary Deed, Transfer
Aug 13, 2019	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2026 · Amount on File
Deed Sale	Jun 1, 2026 · Amount on File
Prior Sale	Apr 29, 2022 · Amount on File
Deed Document Number	2026442832
Prior Transfer Date	Oct 12, 2021
Prior Transfer Doc	0000420370
Record Updated	Oct 29, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 1, 2026
Property Address	103 LINCOLN DR, WATERLOO, IL 62298-1571
Document Number	0000442832
Instrument Date	May 29, 2026
Instrument	2026442832
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$55,297.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	36 ACORN LAKE DR, BELLEVILLE, IL 62221-4446
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 29, 2022
Property Address	103 LINCOLN DR, WATERLOO, IL 62298-1571
Document Number	0000424055
Map Reference	MB 152 PG 145
Instrument Date	Apr 29, 2022
Instrument	424055
Transaction Type	Transfer
Record Updated	May 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$433.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LINCOLN DR, WATERLOO, IL 62298-1571

Mortgage

Document Number	0000424056
Date	Apr 29, 2022
Instrument	424056

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4.38%

October 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MONROE IL
Recording Date	Oct 15, 2021
Property Address	103 LINCOLN DR, WATERLOO, IL 62298-1571
Document Number	0000420370
Instrument Date	Oct 12, 2021
Instrument	420370
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LINCOLN DR, WATERLOO, IL 62298-1571

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Aug 13, 2019
Property Address	103 LINCOLN DR, WATERLOO, IL 62298-1571
Document Number	0000402976
Instrument Date	Aug 12, 2019
Instrument	402976
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LINCOLN DR, WATERLOO, IL 62298-1571

Mortgage

Document Number	0000402977
Date	Aug 13, 2019
Instrument	402977

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.13%

Tax Assessment & Valuation

The 2025 property tax bill for 103 Lincoln Dr was $5,494, up 5.9% 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	$5,494.00 (+5.88%) Homeowner's exemption	$95,800 (+2.27%) Land $16,520 Building $79,280	$287,400 (+2.27%) Land $49,560 Building $237,840
2024	$5,189.00	$93,676 Land $16,190 Building $77,486	$281,028 Land $48,570 Building $232,458
2022	Additional exemption filed	$70,500 Land $15,230 Building $55,270	$211,500 Land $45,690 Building $165,810

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 103 Lincoln Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 103 Lincoln Dr is low, with less than 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 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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