107 S Moore St, Waterloo, IL 62298 Property Records

Monroe County property record for 107 S Moore St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.18 acres (7,776 sqft)
Owner	Individual Name on Record
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit May 2020 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-181-022-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-181-022-000`
Alternative APN	`07251010101800 00`

Exterior

Lot Area	7,776 sqft (0.18 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Driveway	Asphalt Driveway
Driveway Area	1,172 sqft
Patio Area	875 sqft

Location & Zoning

Street Address	107 S MOORE ST
City	WATERLOO
State	IL
Zip	62298-1354
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 44K WEST OUTLOTS SEC 25
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Lot Number	44K
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3047
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	Individual Name on Record
Mailing Address	120 ROOSEVELT DR, WATERLOO, IL 62298-1556
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Construction Loan · Line of Credit STATE BK/WATERLOO
May 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Nov 1, 2018	Trustee's Deed, Construction Loan · Line of Credit STATE BK/WATERLOO
May 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 25, 2017	Trustee's Deed, Construction Loan · Construction Mortgage STATE BK/WATERLOO
Mar 14, 2017	Deed of Trust, Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 4, 2020
Transfer Doc	0000407885
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Jun 16, 2020
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Document Number	0000408749
Instrument Date	Jun 8, 2020
Instrument	408749
Transaction Type	Construction Loan
Record Updated	Jul 10, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ROOSEVELT DR WATERLOO IL 622981556, WATERLOO, IL 62298-1556

Mortgage

Document Number	0000408749
Date	Jun 16, 2020
Instrument	408749

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 15, 2021

Interest

Rate Type	Adjustable Rate

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 11, 2020
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Document Number	0000407885
Instrument Date	May 4, 2020
Instrument	407885
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 S MOORE ST WATERLOO IL 622981354, WATERLOO, IL 62298-1354

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Document Number	0000398388
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ROOSEVELT DR WATERLOO IL 622981556, WATERLOO, IL 62298-1556

Mortgage

Document Number	0000398388
Date	Oct 24, 2018
Instrument	398388

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.51%

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Nov 1, 2018
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Instrument Date	Oct 12, 2018
Instrument	398565
Transaction Type	Construction Loan
Record Updated	Nov 20, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	120 ROOSEVELT DR WATERLOO IL 622981556, WATERLOO, IL 62298-1556

Mortgage

Document Number	0000398565
Date	Nov 1, 2018
Instrument	398565

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 31, 2019

Interest

Rate Type	Adjustable Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 24, 2018
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Document Number	0000396054
Instrument Date	May 22, 2018
Instrument	396054
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	111 S MOORE ST WATERLOO IL 622981354, WATERLOO, IL 62298-1354

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jul 25, 2017
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Instrument Date	Jul 20, 2017
Instrument	391087
Transaction Type	Construction Loan
Record Updated	Aug 9, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 N CHURCH ST WATERLOO IL 622981122, WATERLOO, IL 62298-1122

Mortgage

Document Number	0000391087
Date	Jul 25, 2017
Instrument	391087

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 24, 2018

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	107 S MOORE ST, WATERLOO, IL 62298-1354
Document Number	0000388750
Instrument Date	Mar 14, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 N CHURCH ST WATERLOO IL 622981122, WATERLOO, IL 62298-1122

Mortgage

Document Number	0000388750
Date	Mar 14, 2017
Instrument	388750

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.29%

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	$2,178.00 (-2.42%)	$35,700 (-5.34%) Land $10,860 Building $24,840	$107,100 (-5.34%) Land $32,580 Building $74,520
2024	$2,232.00 (-2.75%)	$37,713 (+5.49%) Land $11,469 Building $26,244	$113,139 (+5.49%) Land $34,407 Building $78,732
2022	$2,295.00	$35,750 Land $10,860 Building $24,890	$107,250 Land $32,580 Building $74,670

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 458 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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