108 Rau St, Waterloo, IL 62298 Property Records

Monroe County property record for 108 Rau St, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	3 bd · 4 ba · 896 sqft · built 1918
Lot Size	0.16 acres (7,120 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jul 2026)
Tax Bill	$3,337 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-181-036-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-181-036-000`
Alternative APN	`07251010201000 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	896 sqft Building Perimeter
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	7,120 sqft (0.16 acres)
Lot Dimensions	130 ft deep x 61 ft wide
Porch	Slab
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	108 RAU ST
City	WATERLOO
State	IL
Zip	62298-1349
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WB3
Legal Description	LOT 17 J B MOORES ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	J B MOORES ADD
Legal Lot Number	17
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3057
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	9429 GREEN PARK GARDENS DR, A, SAINT LOUIS, MO 63123-7231
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · FHA Mortgage ASSOCIATED BANK
Oct 5, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	2026443658
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 28, 2026
Property Address	108 RAU ST, WATERLOO, IL 62298-1349
Document Number	0000443658
Instrument Date	Jul 27, 2026
Instrument	2026443658
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000443659,
Date	Jul 28, 2026
Instrument	2026443659

Lender

Name	ASSOCIATED BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6%
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 5, 2020
Property Address	108 RAU ST, WATERLOO, IL 62298-1349
Document Number	0000411495
Instrument Date	Oct 2, 2020
Instrument	411495
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	108 RAU ST, WATERLOO, IL 62298-1349

Mortgage

Document Number	0000411496
Date	Oct 5, 2020
Instrument	411496

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$3,337.00 (+6.27%)	$54,700 (+3.09%) Land $15,950 Building $38,750	$164,100 (+3.09%) Land $47,850 Building $116,250
2024	$3,140.00	$53,058 (+13.23%) Land $15,704 Building $37,354	$159,174 (+13.23%) Land $47,112 Building $112,062
2022		$46,860 Land $14,870 Building $31,990	$140,580 Land $44,610 Building $95,970

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	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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