120 Jefferson Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 120 Jefferson Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,617 sqft · built 1993
Lot Size	0.24 acres (10,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jan 2021)
Tax Bill	$6,148 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-368-010-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-368-010-000`
Alternative APN	`08191810401000 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,617 sqft Living Area
1st Floor Area	1,617 sqft
Basement Area	809 sqft
Unfinished Basement	809 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Type	Cathedral/Clerestory
Lot Area	10,308 sqft (0.24 acres)
Garage Area	701 sqft
Driveway	Concrete Driveway
Driveway Area	816 sqft
Porch	Slab
Porch Area	118 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	120 JEFFERSON DR
City	WATERLOO
State	IL
Zip	62298-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 135 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	135
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1011
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	120 JEFFERSON DR, WATERLOO, IL 62298-1553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK
Aug 27, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jan 23, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on Record
Deed Sale	Jan 19, 2021 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	2021414239
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	120 JEFFERSON DR, WATERLOO, IL 62298-1553
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412059
Date	Oct 28, 2020
Instrument	412059

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 19, 2021
Property Address	120 JEFFERSON DR, WATERLOO, IL 62298-1553
Document Number	0000414239
Map Reference	DOC 136564
Instrument Date	Jan 15, 2021
Instrument	414239
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 RUECK RD, 54, COLUMBIA, IL 62236

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 JEFFERSON DR, WATERLOO, IL 62298-1553

Mortgage

Document Number	0000414240
Date	Jan 19, 2021
Instrument	414240

Lender

Name	CARROLLTON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.63%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 27, 2019
Property Address	120 JEFFERSON DR, WATERLOO, IL 62298-1553
Document Number	0000403207
Instrument Date	Aug 15, 2019
Instrument	403207
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	120 JEFFERSON DR WATERLOO IL 622981553, WATERLOO, IL 62298-1553

Mortgage

Document Number	403208
Date	Aug 27, 2019
Instrument	403208

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

Interest

Rate Type	Fixed Rate
Rate	3.99%

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jan 23, 2019
Property Address	120 JEFFERSON DR, WATERLOO, IL 62298-1553
Instrument Date	Jan 8, 2019
Instrument	399662
Transaction Type	Construction Loan
Record Updated	Feb 18, 2019
Title Company	MALHEUR COUNTY TITLE COMPANY, MALHEUR CNTY TITLE CO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 JEFFERSON DR WATERLOO IL 622981553, WATERLOO, IL 62298-1553

Mortgage

Document Number	0000399662
Date	Jan 23, 2019
Instrument	399662

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$6,148.00 (+6.35%) Homeowner's exemption	$106,510 (+38.83%) Land $16,520 Building $89,990	$319,530 (+38.83%) Land $49,560 Building $269,970
2024	$5,781.00
2022	Additional exemption filed	$76,720 Land $15,230 Building $61,490	$230,160 Land $45,690 Building $184,470

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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