105 Gardner St, Waterloo, IL 62298 Property Records

Monroe County property record for 105 Gardner St, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 816 sqft · built 1961
Lot Size	0.11 acres (4,953 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Aug 2025)
Tax Bill	$2,877 (2024)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-284-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-284-011-000`
Alternative APN	`07251220301100 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Lot Area	4,953 sqft (0.11 acres)
Lot Dimensions	60 ft deep x 82 ft wide
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft
Driveway	Concrete Driveway
Driveway Area	552 sqft
Patio Area	210 sqft
Shed	1 Shed
Shed Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 GARDNER ST
City	WATERLOO
State	IL
Zip	62298-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1A FRED CAWIS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	FERD CAWIS SUB
Legal Lot Number	1A
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	1
Census Block	1051
Census Tract	600401

Owner

Source: Monroe County records · APN 07-25-284-011-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	504 HARTMANN LN, WATERLOO, IL 62298-1802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Prior Sale	Aug 05, 2019 · Amount on Record
Deed Document Number	2025438873
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 05, 2019
Property Address	105 GARDNER ST, WATERLOO, IL 62298-1628
Document Number	0000402877
Instrument Date	Aug 01, 2019
Instrument	402877
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
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	105 GARDNER ST, WATERLOO, IL 62298-1628

Mortgage

Document Number	0000402878
Date	Aug 05, 2019
Instrument	402878

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$56,550 (+29.26%) Land $15,670 Building $40,880	$169,650 (+29.26%) Land $47,010 Building $122,640
2024	$2,877.00
2022	Additional exemption filed	$43,750 Land $14,720 Building $29,030	$131,250 Land $44,160 Building $87,090

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 475 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
HTC Holding	DSL	100 / 20

May also be available at this address: HTC Holding, Wisper ISP, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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