120 Roosevelt Dr, Waterloo, IL 62298 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,260 sqft · built 1987
Lot Size	0.24 acres (10,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$193,000 (Jun 2018)
Tax Bill	$3,821 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-369-014-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-369-014-000`
Alternative APN	`08191810501400 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	10,445 sqft (0.24 acres)
Garage Area	672 sqft
Driveway	Concrete Driveway
Driveway Area	680 sqft
Porch	Slab
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	120 ROOSEVELT DR
City	WATERLOO
State	IL
Zip	62298-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 146 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	146
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1009
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 ROOSEVELT DR, WATERLOO, IL 62298-1556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit STATE BANK
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Jun 14, 2018	Grant Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Deed Document Number	2018396406
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	120 ROOSEVELT DR, WATERLOO, IL 62298-1556
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431171
Date	Nov 14, 2023
Instrument	431171

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2033

Interest

Rate Type	Fixed Rate
Rate	9%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	120 ROOSEVELT DR, WATERLOO, IL 62298-1556
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414920
Date	Feb 17, 2021
Instrument	414920

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	120 ROOSEVELT DR, WATERLOO, IL 62298-1556
Document Number	0000398389
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 9, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ROOSEVELT DR WATERLOO IL 622981556, WATERLOO, IL 62298-1556

Mortgage

Document Number	0000398389
Date	Oct 24, 2018
Instrument	398389

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.51%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jun 14, 2018
Property Address	120 ROOSEVELT DR, WATERLOO, IL 62298-1556
Document Number	0000396406
Instrument Date	Jun 13, 2018
Instrument	396406
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	120 ROOSEVELT DR WATERLOO IL 622981556, WATERLOO, IL 62298-1556

Mortgage

Document Number	396407
Date	Jun 14, 2018
Instrument	396407

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

Interest

Rate	4.32%

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	$3,821.00 (-2.5%) Homeowner's exemption	$68,380 (+2.67%) Land $15,020 Building $53,360	$205,140 (+2.67%) Land $45,060 Building $160,080
2024	$3,919.00
2022	Additional exemption filed	$66,600 Land $15,230 Building $51,370	$199,800 Land $45,690 Building $154,110

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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