123 Osterhage Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 123 Osterhage Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,465 sqft · built 1993
Lot Size	0.22 acres (9,495 sqft)
Owner	Company Name on Record
Last Sale	$262,500 (Oct 2021)
Tax Bill	$5,271 (2025)
Deeds & Mortgages	Oct 2021 Sale Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-370-011-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-370-011-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,465 sqft Living Area
1st Floor Area	1,465 sqft
Basement Area	1,465 sqft
Unfinished Basement	1,465 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Lot Area	9,495 sqft (0.22 acres)
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	665 sqft
Porch	Slab
Porch Area	68 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	123 OSTERHAGE DR
City	WATERLOO
State	IL
Zip	62298-1500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 176 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	176
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1008
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	Company Name on Record
Mailing Address	123 OSTERHAGE DR, WATERLOO, IL 62298-1500
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Warranty Deed, Transfer
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Deed Document Number	2021420569
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2021
Property Address	123 OSTERHAGE DR, WATERLOO, IL 62298-1500
Document Number	0000420569
Instrument Date	Oct 25, 2021
Instrument	420569
Transaction Type	Transfer
Record Updated	Nov 10, 2021

Transaction

Amount	Amount Recorded
Tax	$393.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 OSTERHAGE DR, WATERLOO, IL 62298-1500

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	123 OSTERHAGE DR, WATERLOO, IL 62298-1500
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000406200
Date	Feb 18, 2020
Instrument	406200

Lender

Name	PROVIDENT FUNDING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

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	$5,271.00 (+6.31%) Homeowner's exemption	$92,150 (+36.56%) Land $16,390 Building $75,760	$276,450 (+36.56%) Land $49,170 Building $227,280
2024	$4,958.00
2022	Additional exemption filed	$67,480 Land $15,140 Building $52,340	$202,440 Land $45,420 Building $157,020

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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