105 Elm St, Waterloo, IL 62298 Property Records

Monroe County property record for 105 Elm St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 720 sqft · built 1920
Lot Size	0.12 acres (5,281 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Oct 2022)
Tax Bill	$2,344 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-003-000`
Alternative APN	`07251640102200 00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	5,281 sqft (0.12 acres)
Lot Dimensions	112 ft deep x 47 ft wide
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 ELM ST
City	WATERLOO
State	IL
Zip	62298-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 1 ROSE & OMELVENEYS ADDN 0235593
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	1
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4001
Census Tract	600501

Owner

105 Elm St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 ELM ST, WATERLOO, IL 62298-1412
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
Feb 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Oct 11, 2022	Deed, Transfer · Conventional Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on File
Deed Sale	Oct 11, 2022 · Amount on File
Deed Document Number	2022426455
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	105 ELM ST, WATERLOO, IL 62298-1412
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431974
Date	Feb 1, 2024
Instrument	431974

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	5.75%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Oct 11, 2022
Property Address	105 ELM ST, WATERLOO, IL 62298-1386
Document Number	0000426455
Map Reference	MB A PG 8
Instrument Date	Oct 7, 2022
Instrument	426455
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1800 FLORAVILLE RD, 1800, WATERLOO, IL 62298-4640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 ELM ST, WATERLOO, IL 62298-1386

Mortgage

Document Number	0000426456
Date	Oct 11, 2022
Instrument	426456

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 7, 2023

Interest

Rate Type	Fixed Rate
Rate	2.89%

Tax Assessment & Valuation

The 2025 property tax bill for 105 Elm St was $2,344, up 7.1% 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	$2,344.00 (+7.08%)	$38,420 Land $15,720 Building $22,700	$115,260 Land $47,160 Building $68,100
2024	$2,189.00
2022		$35,710 Land $14,730 Building $20,980	$107,130 Land $44,190 Building $62,940

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 105 Elm St 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

The area around 105 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 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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