1318 N Moore St, Waterloo, IL 62298 Property Records

Monroe County property record for 1318 N Moore St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,530 sqft · built 2001
Lot Size	6.39 acres (278,348 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,672 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-14-200-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-14-200-003-000`
Alternative APN	`07140000000201 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,530 sqft Building Perimeter
1st Floor Area	1,010 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	278,348 sqft (6.39 acres)
Garage Area	1,020 sqft
Porch	Slab
Porch Area	399 sqft
Patio Area	387 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1318 N MOORE ST
City	WATERLOO
State	IL
Zip	62298-5412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WA1
Legal Description	PART TAX LOTS 2 & 3
Legal Range	10W
Legal Township	02S
Legal Section	14
Legal Subdivision	WATERLOO
Legal Lot Number	2-3
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2054
Census Tract	600402

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	1318 N MOORE ST, WATERLOO, IL 62298-5412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2020	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Apr 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO
Jan 25, 2017	Deed of Trust, Mortgage · Conventional with PMI STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1318 N MOORE ST, WATERLOO, IL 62298-5412
Document Number	0000409421
Instrument Date	Apr 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1318 N MOORIE RD WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000409421
Date	Jul 15, 2020
Instrument	409421

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Term	360 Months
Due	Jul 14, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1318 N MOORE ST, WATERLOO, IL 62298-5412
Document Number	0000409419
Instrument Date	Apr 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1318 N MOORE ST WATERLOO IL 622985412, WATERLOO, IL 62298-5412

Mortgage

Document Number	0000409419
Date	Jul 15, 2020
Instrument	409419

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 14, 2040

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1318 N MOORE ST, WATERLOO, IL 62298-5412
Document Number	0000388078
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1318 N MOORE ST WATERLOO IL 622985412, WATERLOO, IL 62298-5412

Mortgage

Document Number	0000388078
Date	Jan 30, 2017
Instrument	388078

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

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	$7,672.00 Homeowner's exemption	$131,490 (+19.54%) Land $42,680 Building $88,810	$394,470 (+19.54%) Land $128,040 Building $266,430
2024	$7,672.00
2022	Additional exemption filed	$110,000 Land $24,120 Building $85,880	$330,000 Land $72,360 Building $257,640

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

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

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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