116 Osterhage Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 116 Osterhage Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,356 sqft · built 1993
Lot Size	0.21 acres (9,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (May 2025)
Tax Bill	$5,107 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-370-002-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-370-002-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,356 sqft Living Area
1st Floor Area	1,356 sqft
Basement Area	1,356 sqft
Unfinished Basement	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Lot Area	9,265 sqft (0.21 acres)
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	630 sqft
Porch	Slab
Porch Area	76 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	116 OSTERHAGE DR
City	WATERLOO
State	IL
Zip	62298-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 167 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	167
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1006
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 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	5723 KONARCIK RD, WATERLOO, IL 62298-3167
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DELMAR FINANCIAL CO
Jul 3, 2018	Warranty Deed, Transfer · FHA Mortgage CARROLLTON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2025 · Amount on Record
Deed Sale	May 27, 2025 · Amount on Record
Prior Sale	Jul 3, 2018 · Amount on Record
Deed Document Number	2025437770
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	116 OSTERHAGE DR, WATERLOO, IL 62298-1544
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416409
Date	Apr 14, 2021
Instrument	416409

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 3, 2018
Property Address	116 OSTERHAGE DR, WATERLOO, IL 62298-1544
Document Number	0000396740
Instrument Date	Jun 24, 2018
Instrument	396740
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	116 OSTERHAGE DR, WATERLOO, IL 62298-1544

Mortgage

Document Number	0000396741
Date	Jul 3, 2018
Instrument	396741

Lender

Name	CARROLLTON BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.88%

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	$5,107.00 (+6.29%) Homeowner's exemption	$89,450 (+36%) Land $16,310 Building $73,140	$268,350 (+36%) Land $48,930 Building $219,420
2024	$4,805.00
2022	Additional exemption filed	$65,770 Land $15,120 Building $50,650	$197,310 Land $45,360 Building $151,950

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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