111 Madison Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 111 Madison Dr, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 1,824 sqft · built 1986
Lot Size	0.27 acres (11,937 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Jul 2020)
Tax Bill	$3,838 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-365-004-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-365-004-000`
Alternative APN	`08191810100400 00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,937 sqft (0.27 acres)
Garage Area	576 sqft
Deck Area	140 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	111 MADISON DR
City	WATERLOO
State	IL
Zip	62298-1747
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WR5
Legal Description	LOT 81 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	81
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1014
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6215 LL RD, WATERLOO, IL 62298-4015
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Sep 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/WATERLOO
Jul 28, 2020	Warranty Deed, Transfer MON CLAIR TITLE
Mar 12, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Mar 12, 2020 · Amount on Record
Deed Document Number	2020409771
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	111 MADISON DR, WATERLOO, IL 62298-1747
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419395
Date	Aug 30, 2021
Instrument	419395

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	111 MADISON DR, WATERLOO, IL 62298-1747
Document Number	0000411135
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 MADISON DR WATERLOO IL 622981747, WATERLOO, IL 62298-1747

Mortgage

Document Number	0000411135
Date	Sep 22, 2020
Instrument	411135

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	SMITHTON, IL 62285

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 28, 2020
Property Address	111 MADISON DR, WATERLOO, IL 62298-1747
Document Number	0000409771
Instrument Date	Jul 27, 2020
Instrument	409771
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	MON CLAIR TITLE

Transaction

Amount	Amount Recorded
Tax	$192.00
Amount Accuracy	Confirmed
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	418 SYCAMORE DR WATERLOO IL 622981740, WATERLOO, IL 62298-1740

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 12, 2020
Property Address	111 MADISON DR, WATERLOO, IL 62298-1747
Document Number	0000406681
Instrument Date	Mar 10, 2020
Instrument	406681
Transaction Type	Transfer
Record Updated	Apr 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$510.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 E MILL ST WATERLOO IL 622981518, WATERLOO, IL 62298-1518

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$69,470 (+24.5%) Land $16,740 Building $52,730	$208,410 (+24.5%) Land $50,220 Building $158,190
2024	$3,838.00
2022		$55,800 Land $15,370 Building $40,430	$167,400 Land $46,110 Building $121,290

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	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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