Monroe County property record for 120 Madison Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,452 sqft · built 1992 |
| Lot Size | 0.24 acres (10,309 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,965 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-367-013-000 |
| Primary APN | 08-19-367-013-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,452 sqft Living Area |
| 1st Floor Area | 1,452 sqft |
| Basement Area | 1,452 sqft |
| Unfinished Basement | 1,452 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Frame |
| Lot Area | 10,309 sqft (0.24 acres) |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 846 sqft |
| Porch | Slab |
| Porch Area | 118 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 120 MADISON DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR5 |
| Legal Description | LOT 126 EAST RIDGE 4 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 126 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 600401 |
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 MADISON DR, WATERLOO, IL 62298-1560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Dec 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Oct 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 120 MADISON DR, WATERLOO, IL 62298-1560 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000441670 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 441670 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 120 MADISON DR, WATERLOO, IL 62298-1560 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000399064 |
|---|---|
| Date | Dec 7, 2018 |
| Instrument | 399064 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 23, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 120 MADISON DR, WATERLOO, IL 62298-1560 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000398281 |
|---|---|
| Date | Oct 16, 2018 |
| Instrument | 398281 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of October 13, 2026
| 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 | $4,965.00 (+6.32%) Homeowner's exemption | $87,120 (+35.09%) Land $16,520 Building $70,600 | $261,360 (+35.09%) Land $49,560 Building $211,800 |
| 2024 | $4,670.00 | ||
| 2022 | Additional exemption filed | $64,490 Land $15,230 Building $49,260 | $193,470 Land $45,690 Building $147,780 |
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.
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 | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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