126 Osterhage Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 126 Osterhage Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,504 sqft · built 1992
Lot Size	0.21 acres (9,260 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Mar 2026 Transfer Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-370-012-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-370-012-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	9,260 sqft (0.21 acres)
Garage Area	896 sqft
Driveway	Concrete Driveway
Driveway Area	943 sqft
Porch	Slab
Porch Area	144 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	126 OSTERHAGE DR
City	WATERLOO
State	IL
Zip	62298-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 177 EAST RIDGE 4
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	177
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1006
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	126 OSTERHAGE DR, WATERLOO, IL 62298-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 25, 2019	Quit Claim Deed, Transfer · FHA Mortgage GLOBAL EQUITY FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2019
Deed Sale	Jul 25, 2019
Deed Document Number	2019402656
Last Transfer Date	Mar 10, 2026
Transfer Doc	0000441645
Record Updated	Oct 29, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Mar 16, 2026
Property Address	126 OSTERHAGE DR, WATERLOO, IL 62298-1544
Document Number	0000441645
Map Reference	MB 170 PG 231
Instrument Date	Mar 10, 2026
Instrument	441645
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 OSTERHAGE DR, WATERLOO, IL 62298-1544

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	126 OSTERHAGE DR, WATERLOO, IL 62298-1544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403761
Date	Sep 24, 2019
Instrument	403761

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2039

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	126 OSTERHAGE DR, WATERLOO, IL 62298-1544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413425
Date	Dec 16, 2020
Instrument	413425

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jul 25, 2019
Property Address	126 OSTERHAGE DR, WATERLOO, IL 62298-1544
Document Number	0000402656
Instrument Date	Jun 24, 2019
Instrument	402656
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	126 OSTERHAGE DR WATERLOO IL 622981544, WATERLOO, IL 62298-1544

Mortgage

Document Number	402657
Date	Jul 25, 2019
Instrument	402657

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

Interest

Rate Type	Fixed Rate
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	$5,603.00 (+6.14%) Homeowner's exemption	$97,580 (+2.5%) Land $16,310 Building $81,270	$292,740 (+2.5%) Land $48,930 Building $243,810
2024	$5,279.00	$95,197 (+34.02%) Land $16,042 Building $79,155	$285,591 (+34.02%) Land $48,126 Building $237,465
2022	Additional exemption filed	$71,030 Land $15,120 Building $55,910	$213,090 Land $45,360 Building $167,730

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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