Monroe County property record for 115 Osterhage Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,366 sqft · built 1997 |
| Lot Size | 0.22 acres (9,495 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,433 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-370-003-000 |
| Primary APN | 08-19-370-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,366 sqft Living Area |
| 1st Floor Area | 1,366 sqft |
| Basement Area | 1,366 sqft |
| Unfinished Basement | 1,366 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Lot Area | 9,495 sqft (0.22 acres) |
| Garage Area | 690 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 648 sqft |
| Porch | Porch |
| Porch Area | 192 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 115 OSTERHAGE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR5 |
| Legal Description | LOT 168 EAST RIDGE 4 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 168 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 600401 |
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 | 115 OSTERHAGE DR, WATERLOO, IL 62298-1500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 115 OSTERHAGE DR, WATERLOO, IL 62298-1500 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000418999 |
|---|---|
| Date | Aug 11, 2021 |
| Instrument | 418999 |
| Name | DIETERICH BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 27, 2028 |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.42% |
| Index | 1-Year CMT |
Source: Monroe County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $100,280 (+37.2%) Land $16,390 Building $83,890 | $300,840 (+37.2%) Land $49,170 Building $251,670 | |
| 2024 | $5,433.00 | ||
| 2022 | Additional exemption filed | $73,090 Land $15,140 Building $57,950 | $219,270 Land $45,420 Building $173,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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