1209 Kirk Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1209 Kirk Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$449,900 (Feb 2024)
Tax Bill	$8,534 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-150-020-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-150-020-000`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	1209 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 20 REMINGTON RIDGE PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	20
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4023
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	1209 KIRK LN, WATERLOO, IL 62298-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Warranty Deed, Transfer · Conventional Mortgage FCB BANKS
Apr 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS COMMUNITY BANK
Dec 30, 2021	Limited Warranty Deed, Transfer · Commercial Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2024 · Amount on Record
Deed Sale	Feb 7, 2024 · Amount on Record
Prior Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	2024432040
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 7, 2024
Property Address	1209 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000432040
Instrument Date	Feb 6, 2024
Instrument	432040
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2542 BREAD TRAY MOUNTAIN RD, LAMPE, MO 65681-8127

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1209 KIRK LN, WATERLOO, IL 62298-1901

Mortgage

Document Number	0000432041
Date	Feb 7, 2024
Instrument	432041

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1209 KIRK LN, WATERLOO, IL 62298-1901
Transaction Type	Mortgage
Record Updated	Nov 17, 2023
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423973
Date	Apr 25, 2022
Instrument	423973

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 30, 2021
Property Address	1209 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000421761
Instrument Date	Dec 29, 2021
Instrument	421761
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 KIRK LN, WATERLOO, IL 62298-1901

Mortgage

Document Number	0000421762
Date	Dec 30, 2021
Instrument	421762

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate	4.25%

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	$8,534.00 (+779.79%) Homeowner's exemption	$145,620 (+844.97%) Land $16,790 Building $128,830	$436,860 (+844.97%) Land $50,370 Building $386,490
2024	$970.00
2022		$15,410 Land $15,410	$46,230 Land $46,230

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

Flood

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

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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