105 Jefferson Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 105 Jefferson Dr, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,030 sqft · built 1985
Lot Size	0.33 acres (14,558 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (May 2018)
Tax Bill	$3,908 (2024)
Deeds & Mortgages	Feb 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-365-003-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-365-003-000`
Alternative APN	`08191810100300 00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,030 sqft Living Area
1st Floor Area	2,030 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	14,558 sqft (0.33 acres)
Garage Area	460 sqft
Driveway	Concrete Driveway
Driveway Area	988 sqft
Deck Area	96 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 JEFFERSON DR
City	WATERLOO
State	IL
Zip	62298-1759
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WR5
Legal Description	LOT 82 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	82
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1014
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	711 MORRISON AVE, WATERLOO, IL 62298-1723
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
May 23, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on Record
Deed Sale	May 23, 2018 · Amount on Record
Deed Document Number	2018396039
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	105 JEFFERSON DR, WATERLOO, IL 62298-1759
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415138
Date	Feb 24, 2021
Instrument	415138

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 23, 2018
Property Address	105 JEFFERSON DR, WATERLOO, IL 62298-1759
Document Number	0000396039
Instrument Date	May 22, 2018
Instrument	396039
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7731 BRIAR CREEK LN, 7731, WATERLOO, IL 62298-5238

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	711 MORRISON AVE, WATERLOO, IL 62298-1723

Mortgage

Document Number	0000396040
Date	May 23, 2018
Instrument	396040

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2038

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$71,010 (+46.93%) Land $17,150 Building $53,860	$213,030 (+46.93%) Land $51,450 Building $161,580
2024	$3,908.00
2022		$48,330 Land $10,490 Building $37,840	$144,990 Land $31,470 Building $113,520

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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