122 Jefferson Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 122 Jefferson Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,078 sqft · built 1987
Lot Size	0.25 acres (10,861 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,300 (Jul 2019)
Tax Bill	$6,244 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-369-021-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-369-021-000`
Alternative APN	`08191810502100 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,078 sqft Living Area
1st Floor Area	2,078 sqft
Basement Area	1,189 sqft
Unfinished Basement	1,189 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,861 sqft (0.25 acres)
Garage Area	648 sqft
Driveway	Concrete Driveway
Driveway Area	828 sqft

Exterior Amenities

Porch	Slab
Porch Area	648 sqft
Deck Area	121 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	122 JEFFERSON DR
City	WATERLOO
State	IL
Zip	62298-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 137 & PART LOT 138 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	137
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1011
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	122 JEFFERSON DR, WATERLOO, IL 62298-1553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE CO INC
Jul 31, 2019	Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2019 · Amount on Record
Deed Sale	Jul 31, 2019 · Amount on Record
Deed Document Number	2019402785
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	122 JEFFERSON DR, WATERLOO, IL 62298-1553
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441622
Date	Mar 13, 2026
Instrument	441622

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	122 JEFFERSON DR, WATERLOO, IL 62298-1553
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431689
Date	Jan 3, 2024
Instrument	431689

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	122 JEFFERSON DR, WATERLOO, IL 62298-1553
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419511
Date	Sep 3, 2021
Instrument	419511

Lender

Name	SUN WEST MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Jul 31, 2019
Property Address	122 JEFFERSON DR, WATERLOO, IL 62298-1553
Document Number	0000402785
Instrument Date	Jul 30, 2019
Instrument	402785
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294.75
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	122 JEFFERSON DR, WATERLOO, IL 62298-1553

Mortgage

Document Number	0000402786
Date	Jul 31, 2019
Instrument	402786

Lender

Name	TOWN & COUNTRY BANC MTG SVCS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$6,244.00 (+8.86%) Homeowner's exemption	$108,080 (+5.03%) Land $16,590 Building $91,490	$324,240 (+5.03%) Land $49,770 Building $274,470
2024	$5,736.00	$102,906 (+19.08%) Land $16,253 Building $86,653	$308,718 (+19.08%) Land $48,759 Building $259,959
2022	Additional exemption filed	$86,420 Land $15,280 Building $71,140	$259,260 Land $45,840 Building $213,420

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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