104 Osterhage Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 104 Osterhage Dr, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 1,944 sqft · built 1987
Lot Size	0.19 acres (8,284 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Jul 2026)
Tax Bill	$4,605 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-366-003-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-366-003-000`
Alternative APN	`08191810200300 00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,944 sqft Living Area
1st Floor Area	1,944 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,284 sqft (0.19 acres)
Garage Area	624 sqft
Driveway	Concrete Driveway
Driveway Area	476 sqft
Porch	Slab
Porch Area	136 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 OSTERHAGE DR
City	WATERLOO
State	IL
Zip	62298-1684
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WR5
Legal Description	PART LOT 118 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	118
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	Company Name on Record
Mailing Address	PO BOX 70, WATERLOO, IL 62298-0070
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Feb 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Prior Sale	May 1, 2019 · Amount on Record
Deed Document Number	2026443529
Record Updated	Oct 29, 2026

July 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 17, 2026
Property Address	104 OSTERHAGE DR, WATERLOO, IL 62298-1684
Document Number	0000443529
Instrument Date	Jul 17, 2026
Instrument	2026443529
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000443529,
Date	Jul 17, 2026
Instrument	2026443529

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	104 OSTERHAGE DR, WATERLOO, IL 62298-1684
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000415018
Date	Feb 18, 2021
Instrument	415018

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$4,605.00 (+10.72%)	$75,470 (+48.94%) Land $16,190 Building $59,280	$226,410 (+48.94%) Land $48,570 Building $177,840
2024	$4,159.00
2022		$50,670 Land $10,650 Building $40,020	$152,010 Land $31,950 Building $120,060

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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