1201 Kirk Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1201 Kirk Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,851 sqft · built 2021
Lot Size	0.36 acres (15,682 sqft)
Owner	Trust Name on File
Last Sale	$450,000 (Sep 2023)
Tax Bill	$8,274 (2025)
Deeds & Mortgages	Sep 2022 Construction Loan Sep 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-150-018-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-150-018-000`

Interior

Bedrooms	3 Beds
Building Area	1,851 sqft Living Area
1st Floor Area	1,851 sqft
Basement Area	1,851 sqft
Unfinished Basement	1,851 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1201 KIRK LN
City	WATERLOO
State	IL
Zip	62298-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 18 REMINGTON RIDGE PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	18
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4023
Census Tract	600401

Owner

1201 Kirk Ln is owner-occupied and held in a trust since September 2023.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Trust Name on File
Mailing Address	1201 KIRK LN, WATERLOO, IL 62298-1901
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Construction Mortgage TOGETHER CU
Sep 26, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 5, 2021	Warranty Deed, Transfer · Conventional Mortgage TOGETHER CU
Jun 11, 2020	Warranty Deed, Transfer · Commercial Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on File
Deed Sale	Sep 26, 2023 · Amount on File
Prior Sale	Apr 5, 2021 · Amount on File
Deed Document Number	2023430670
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1201 KIRK LN, WATERLOO, IL 62298-1901
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426304
Date	Sep 28, 2022
Instrument	426304

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 31, 2047

Interest

Rate Type	Fixed Rate

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 26, 2023
Property Address	1201 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000430670
Instrument Date	Sep 25, 2023
Instrument	430670
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1201 KIRK LN, WATERLOO, IL 62298-1901

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1201 KIRK LN, WATERLOO, IL 62298-1901

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 5, 2021
Property Address	1201 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000416108
Instrument Date	Mar 31, 2021
Instrument	416108
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 KIRK LN, WATERLOO, IL 62298-1901

Mortgage

Document Number	0000416109
Date	Apr 5, 2021
Instrument	416109

Lender

Name	TOGETHER CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 11, 2020
Property Address	1201 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000408606
Map Reference	DOC 394932
Instrument Date	Jun 8, 2020
Instrument	408606
Transaction Type	Transfer
Record Updated	Apr 3, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Tax	$78.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 STANHOPE LN, COLUMBIA, IL 62236-3420
Investor	Possibly a Property Investor

Mortgage

Document Number	0000408607
Date	Jun 11, 2020
Instrument	408607

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1201 Kirk Ln was $8,274 with a homeowner's exemption, up 11.2% from the year before.

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	$8,274.00 (+11.16%) Homeowner's exemption	$146,150 (+6.88%) Land $17,350 Building $128,800	$438,450 (+6.88%) Land $52,050 Building $386,400
2024	$7,443.00	$136,744 Land $16,834 Building $119,910	$410,232 Land $50,502 Building $359,730
2022		$107,920 (+709.6%) Land $15,730 Building $92,190	$323,760 (+709.6%) Land $47,190 Building $276,570
2021		$13,330 Land $13,330	$39,990 Land $39,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1201 Kirk Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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.

Wildfire

Wildfire risk around 1201 Kirk Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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