112 Osterhage Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 112 Osterhage Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,286 sqft · built 1986
Lot Size	0.2 acres (8,634 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,909 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-366-007-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-366-007-000`
Alternative APN	`08191810200700 00`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,286 sqft Building Perimeter
1st Floor Area	1,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,634 sqft (0.2 acres)
Garage Type	Built-in
Garage Area	546 sqft
Driveway	Asphalt Driveway
Driveway Area	1,312 sqft

Exterior Amenities

Porch	Porch
Porch Area	336 sqft
Deck Area	400 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	112 OSTERHAGE DR
City	WATERLOO
State	IL
Zip	62298-1550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 122 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	122
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1007
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	112 OSTERHAGE DR, WATERLOO, IL 62298-1550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage HUD
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT
Jun 25, 2018	Deed of Trust, Mortgage · FHA Mortgage VINSON MORTGAGE SERVICES INC
Sep 11, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INV LLC
Mar 31, 2017	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	112 OSTERHAGE DR, WATERLOO, IL 62298-1550
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431028
Date	Oct 30, 2023
Instrument	431028

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	324 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	112 OSTERHAGE DR, WATERLOO, IL 62298-1550
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404701
Date	Nov 14, 2019
Instrument	404701

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	112 OSTERHAGE DR, WATERLOO, IL 62298-1550
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396570
Date	Jun 25, 2018
Instrument	396570

Lender

Name	VINSON MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	112 OSTERHAGE DR, WATERLOO, IL 62298-1550
Document Number	0000411296
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	112 OSTERHAGE DR WATERLOO IL 622981550, WATERLOO, IL 62298-1550

Mortgage

Document Number	0000411296
Date	Sep 28, 2020
Instrument	411296

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 31, 2017
Property Address	112 OSTERHAGE DR, WATERLOO, IL 62298-1550
Document Number	0000389038
Instrument Date	Mar 30, 2017
Instrument	389038
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	$307.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 OSTERHAGE DR, WATERLOO, IL 62298-1550

Mortgage

Document Number	0000389039
Date	Mar 31, 2017
Instrument	389039

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.2%

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		$92,560 (+39.9%) Land $16,260 Building $76,300	$277,680 (+39.9%) Land $48,780 Building $228,900
2024	$4,909.00
2022	Additional exemption filed	$66,160 Land $15,070 Building $51,090	$198,480 Land $45,210 Building $153,270

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 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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