11 Mary Ct, Waterloo, IL 62298 Property Records

Monroe County property record for 11 Mary Ct, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 1,988 sqft · built 1994
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Feb 2018)
Tax Bill	$7,014 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-017-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,988 sqft Living Area
1st Floor Area	1,988 sqft
Basement Area	1,988 sqft
Unfinished Basement	1,988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	13,939 sqft (0.32 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	561 sqft

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	256 sqft
Patio Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11 MARY CT
City	WATERLOO
State	IL
Zip	62298-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 17 LAKEVIEW ESTATES WEST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	17
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

Owner

11 Mary Ct is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	11 MARY CT, WATERLOO, IL 62298-1835
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
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit STATE BANK
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MTG CORP
Feb 23, 2018	Warranty Deed, Transfer · Conventional with PMI AMERICAN HM LNDG USA
Apr 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2018 · Amount on File
Deed Sale	Feb 23, 2018 · Amount on File
Deed Document Number	2018394493
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 22, 2026
Property Address	11 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000442221
Instrument Date	Apr 13, 2026
Instrument	2026442221
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	11 MARY CT, WATERLOO, IL 62298-1835

Mortgage

Document Number	0000442221,
Date	Apr 22, 2026
Instrument	2026442221

Lender

Name	STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	11 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414870
Date	Feb 10, 2021
Instrument	414870

Lender

Name	AMERICAN PORTFOLIO MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 23, 2018
Property Address	11 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000394493
Instrument Date	Feb 22, 2018
Instrument	394493
Transaction Type	Transfer
Record Updated	Mar 5, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 MARY CT WATERLOO IL 622981835, WATERLOO, IL 62298-1835

Mortgage

Document Number	394494
Date	Feb 23, 2018
Instrument	394494

Lender

Name	AMERICAN HM LNDG USA
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 22, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	11 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000389488
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 MARY CT WATERLOO IL 622981835, WATERLOO, IL 62298-1835

Mortgage

Document Number	0000389488
Date	Apr 27, 2017
Instrument	389488

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 26, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 11 Mary Ct was $7,014, up 6% from the year before.

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	$7,014.00 (+6.03%) Homeowner's exemption	$120,710 (+2.51%) Land $17,050 Building $103,660	$362,130 (+2.51%) Land $51,150 Building $310,980
2024	$6,615.00	$117,756 Land $16,634 Building $101,122	$353,268 Land $49,902 Building $303,366
2022	Additional exemption filed	$87,720 Land $15,570 Building $72,150	$263,160 Land $46,710 Building $216,450

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 11 Mary Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 11 Mary Ct is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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