107 Elm St, Waterloo, IL 62298 Property Records

Monroe County property record for 107 Elm St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,020 sqft · built 1940
Lot Size	0.22 acres (9,373 sqft)
Owner	Individual Name on Record
Tax Bill	$1,056 (2025)
Deeds & Mortgages	Jul 2026 Transfer Aug 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-002-000`
Alternative APN	`07251640102100 00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	9,373 sqft (0.22 acres)
Lot Dimensions	171 ft deep x 52 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	107 ELM ST
City	WATERLOO
State	IL
Zip	62298-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	S/2 LOT 2 ROSE & OMELVENEYS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4001
Census Tract	600501

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	107 ELM ST, WATERLOO, IL 62298-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Aug 3, 2021	Intrafamily Transfer, Transfer
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000443722
Record Updated	Oct 29, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Jul 30, 2026
Property Address	107 ELM ST, WATERLOO, IL 62298-1412
Document Number	0000443722
Instrument Date	Jul 30, 2026
Instrument	2026443722
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5883 MAEYSTOWN RD, WATERLOO, IL 62298-6541

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Aug 3, 2021
Property Address	107 ELM ST, WATERLOO, IL 62298-1412
Document Number	0000418828
Instrument Date	Aug 2, 2021
Instrument	418828
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 ELM ST, WATERLOO, IL 62298-1412

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	107 ELM ST, WATERLOO, IL 62298-1412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405669
Date	Jan 14, 2020
Instrument	405669

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 20, 2034

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	107 ELM ST, WATERLOO, IL 62298-1412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405667
Date	Jan 14, 2020
Instrument	405667

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2049

Interest

Rate Type	Fixed 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	$1,056.00 (-61.4%) Homeowner's exemption	$56,980 (+21.11%) Land $16,340 Building $40,640	$170,940 (+21.11%) Land $49,020 Building $121,920
2024	$2,736.00
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$47,050 Land $15,120 Building $31,930	$141,150 Land $45,360 Building $95,790

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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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