Monroe County property record for 104 Debra Ln, Waterloo, IL 62298
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,968 sqft · built 1991 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Company Name on Record |
| Last Sale | $205,000 (Dec 2021) |
| Tax Bill | $4,586 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-465-022-000 |
| Primary APN | 07-25-465-022-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,968 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Area | 504 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 912 sqft |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 104 DEBRA LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1406 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | WR5 |
| Legal Description | PART LOT 6 HISTORIC ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | HISTORIC ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 33 |
| Census Block Group | 4 |
| Census Block | 4036 |
| Census Tract | 600501 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 404 W 3RD ST, WATERLOO, IL 62298-1357 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2021 · Amount on Record |
| Deed Sale | Dec 2, 2021 · Amount on Record |
| Deed Document Number | 2021421254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 2, 2021 |
| Property Address | 104 DEBRA LN, WATERLOO, IL 62298-1406 |
| Document Number | 0000421254 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 421254 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 N MAIN ST, WATERLOO, IL 62298-1202 |
| Document Number | 0000421255 |
|---|---|
| Date | Dec 2, 2021 |
| Instrument | 421255 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,586.00 (+10.88%) | $75,170 (+21.65%) Land $17,150 Building $58,020 | $225,510 (+21.65%) Land $51,450 Building $174,060 |
| 2024 | $4,136.00 | ||
| 2022 | $61,790 Land $15,620 Building $46,170 | $185,370 Land $46,860 Building $138,510 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 475 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: Wisper ISP.
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