1217 Kirk Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1217 Kirk Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,906 sqft · built 2022
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Sep 2026)
Tax Bill	$8,430 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-150-022-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-150-022-000`

Interior

Bedrooms	3 Beds
Building Area	1,906 sqft Living Area
1st Floor Area	1,906 sqft
Basement Area	1,906 sqft
Unfinished Basement	1,906 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1217 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 22 REMINGTON RIDGE PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	22
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4023
Census Tract	600401

Owner

1217 Kirk Ln is owned by two individuals who bought it in September 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 W WHITE ST, MILLSTADT, IL 62260-1435
Owner Type	Individual

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 11, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 18, 2025	Deed of Trust, Mortgage · FHA Mortgage JLB CORP
Mar 9, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP
Oct 26, 2020	Warranty Deed, Transfer · Commercial Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Mar 9, 2022 · Amount on File
Deed Document Number	2026444354
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 11, 2026
Property Address	1217 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000444354
Instrument Date	Sep 11, 2026
Instrument	2026444354
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W WHITE ST, MILLSTADT, IL 62260-1435

Mortgage

Document Number	0000444354,
Date	Sep 11, 2026
Instrument	2026444354

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1217 KIRK LN, WATERLOO, IL 62298-1901
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439315
Date	Sep 18, 2025
Instrument	439315

Lender

Name	JLB CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.12%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 9, 2022
Property Address	1217 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000423059
Map Reference	DOC 394932
Instrument Date	Mar 8, 2022
Instrument	423059
Transaction Type	Transfer
Record Updated	Apr 3, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$579.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 KIRK LN, WATERLOO, IL 62298

Mortgage

Document Number	0000423060
Date	Mar 9, 2022
Instrument	423060

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2020
Property Address	1217 KIRK LN, WATERLOO, IL 62298-1901
Document Number	0000411988
Map Reference	DOC 394932
Instrument Date	Oct 23, 2020
Instrument	411988
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	0000411989
Date	Oct 26, 2020
Instrument	411989

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1217 Kirk Ln was $8,430, up 1% 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	$8,430.00 (+10.02%) Homeowner's exemption	$143,910 Land $16,790 Building $127,120	$431,730 Land $50,370 Building $381,360
2024	$7,662.00
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

FEMA maps place 1217 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 1217 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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