109 Fairway Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 109 Fairway Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,764 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$284,000 (May 2021)
Deeds & Mortgages	May 2021 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-449-005-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-449-005-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	10,019 sqft (0.23 acres)
Garage Area	768 sqft
Driveway	Concrete Driveway
Driveway Area	820 sqft
Porch	Slab
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 FAIRWAY DR
City	WATERLOO
State	IL
Zip	62298-1581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 5 EAST RIDGE 5
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	5
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1007
Census Tract	600401

Owner

109 Fairway Dr is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 FAIRWAY DR, WATERLOO, IL 62298-1581
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 12, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jul 6, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2021 · Amount on File
Deed Sale	May 10, 2021 · Amount on File
Prior Sale	Jun 12, 2018 · Amount on File
Deed Document Number	2021417025
Prior Transfer Date	Jul 3, 2017
Prior Transfer Doc	0000390771
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 10, 2021
Property Address	109 FAIRWAY DR, WATERLOO, IL 62298-1581
Document Number	0000417025
Instrument Date	May 7, 2021
Instrument	417025
Transaction Type	Transfer
Record Updated	Jun 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$426.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 FAIRWAY DR, WATERLOO, IL 62298-1581

Mortgage

Document Number	0000417026
Date	May 10, 2021
Instrument	417026

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 12, 2018
Property Address	109 FAIRWAY DR, WATERLOO, IL 62298-1581
Document Number	0000396361
Instrument Date	Jun 11, 2018
Instrument	396361
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$369.75
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	Tenants by the Entirety
Address	109 FAIRWAY DR, WATERLOO, IL 62298-1581

Mortgage

Document Number	0000396362
Date	Jun 12, 2018
Instrument	396362

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jul 6, 2017
Property Address	109 FAIRWAY DR, WATERLOO, IL 62298-1581
Document Number	0000217754
Instrument Date	Jul 3, 2017
Instrument	0217754
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$263.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	109 FAIRWAY DR WATERLOO IL 622981581, WATERLOO, IL 62298-1581

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	Homeowner's exemption Disabled Person's exemption	$122,280 Land $16,460 Building $105,820	$366,840 Land $49,380 Building $317,460
2022	Disabled Person's exemption Additional exemption filed	$87,500 Land $15,200 Building $72,300	$262,500 Land $45,600 Building $216,900

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

FEMA maps place 109 Fairway Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 109 Fairway Dr is low, with less than a 0.01% annual chance of 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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