Monroe County property record for 130 Osterhage Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,332 sqft · built 1993 |
| Lot Size | 0.21 acres (9,161 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Jun 2025) |
| Tax Bill | $4,746 (2024) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-370-016-000 |
| Primary APN | 08-19-370-016-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 1,332 sqft |
| Unfinished Basement | 1,332 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Frame |
| Lot Area | 9,161 sqft (0.21 acres) |
| Garage Area | 672 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 720 sqft |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 130 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 181 EAST RIDGE 4 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 181 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-19-370-016-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 104 WINCHESTER DR, BELLEVILLE, IL 62223-3626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO |
| Oct 15, 2021 | Warranty Deed, Transfer |
| May 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage IROQUOIS FED'L S&L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on Record |
| Deed Sale | Jun 23, 2025 · Amount on Record |
| Prior Sale | Oct 15, 2021 · Amount on Record |
| Deed Document Number | 2025438121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 130 OSTERHAGE DR, WATERLOO, IL 62298-1544 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441059 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 441059 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.88% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 15, 2021 |
| Property Address | 130 OSTERHAGE DR, WATERLOO, IL 62298-1544 |
| Document Number | 0000420362 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 420362 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $337.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 130 OSTERHAGE DR, WATERLOO, IL 62298-1544 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 130 OSTERHAGE DR, WATERLOO, IL 62298-1544 |
| Document Number | 0000408073 |
| Instrument Date | May 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 130 OSTERHAGE DR WATERLOO IL 622981544, WATERLOO, IL 62298-1544 |
| Document Number | 0000408073 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 408073 |
| Name | IROQUOIS FED'L S&L |
|---|---|
| Type | Federal Savings Bank |
| Address | DANVILLE, IL 61832 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 19, 2030 |
| Rate | 2.5% |
|---|
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $93,650 (+36.26%) Land $16,390 Building $77,260 | $280,950 (+36.26%) Land $49,170 Building $231,780 | |
| 2024 | $4,746.00 (+32.64%) | ||
| 2022 | $3,578.00 Homeowner's exemption Additional exemption filed | $68,730 Land $15,140 Building $53,590 | $206,190 Land $45,420 Building $160,770 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Delta Communications, Wisper ISP.
Based on FCC filings for 269 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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