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12 Victor St, Waterloo, IL 62298 Property Records

Monroe County property record for 12 Victor St, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,054 sqft · built 1959
Lot Size0.27 acres (11,680 sqft)
OwnerIndividual Name on File
Last Sale$175,000 (Aug 2022)
Tax Bill$2,142 (2024)
Deeds & MortgagesAug 2022 Sale & Mortgage
Mar 2021 Transfer
Flood ZoneZone X (minimal risk)
APN07-13-151-009-000

Property Details

APN / Parcel Number

Primary APN07-13-151-009-000
Alternative APN
  • 07131030500400 00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area1,054 sqft Living Area
1st Floor Area1,054 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Lot Area11,680 sqft (0.27 acres)
Garage Area520 sqft
DrivewayConcrete Driveway
Driveway Area680 sqft
Patio Area406 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address12 VICTOR ST
CityWATERLOO
StateIL
Zip62298-5532
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPART LOT 48 LOU DEL 2ND ADDN 0124592
Legal Range10W
Legal Township02S
Legal Section13
Legal SubdivisionLOU DEL
Legal Lot Number48
JurisdictionMONROE IL
Township / Civil Division30
Census Block Group2
Census Block2093
Census Tract600402

Owner

Source: Monroe County records · APN 07-13-151-009-000

Assessment roll updated August 29, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address12 VICTOR ST, WATERLOO, IL 62298-5532
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 02, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERICAN PORTFOLIO MTG CORP
Mar 08, 2021Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 02, 2022 · Amount on Record
Deed SaleAug 02, 2022 · Amount on Record
Deed Document Number2022425471
Prior Transfer DateMar 08, 2021
Prior Transfer Doc0000415471
Record UpdatedSep 20, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateAug 02, 2022
Property Address12 VICTOR ST, WATERLOO, IL 62298-5532
Document Number0000425471
Map ReferenceMB C PG 5
Instrument DateJul 29, 2022
Instrument425471
Transaction TypeTransfer
Record UpdatedAug 17, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$262.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11 DWIGHT ST, 11, WATERLOO, IL 62298-5539

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 VICTOR ST, WATERLOO, IL 62298-5532

Mortgage

Document Number0000425472
DateAug 02, 2022
Instrument425472
Lender
NameAMERICAN PORTFOLIO MTG CORP
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate5.38%

March 2021: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionMONROE IL
Recording DateMar 08, 2021
Property Address12 VICTOR ST, WATERLOO, IL 62298-5532
Document Number0000415471
Map ReferenceMB C PG 5
Instrument DateMar 08, 2021
Instrument415471
Transaction TypeTransfer
Record UpdatedApr 22, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 VICTOR ST, WATERLOO, IL 62298-5532

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$58,560 (+27.28%) Land $16,740 Building $41,820$175,680 (+27.28%) Land $50,220 Building $125,460
2024$2,142.00
2022Homeowner's exemption Additional exemption filed$46,010 Land $15,370 Building $30,640$138,030 Land $46,110 Building $91,920

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims263 (1993–2019)
Most Recent ClaimJun 2019, river or lake flooding, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Jun 2019 · 9 claims
  • Severe Storms & Flooding, Oct 1993 · 252 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 120 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
HTC HoldingFiber1,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
HTC HoldingDSL100 / 20

May also be available at this address: Wisper ISP, Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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