1525 Herbst Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 1525 Herbst Rd, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 881 sqft · built 1913
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Mar 2022)
Tax Bill	$3,295 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`06-22-400-003-000`

Property Details

APN / Parcel Number

Primary APN	`06-22-400-003-000`
Alternative APN	`06220000000605 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	881 sqft Building Perimeter
1st Floor Area	884 sqft
Basement Area	881 sqft
Unfinished Basement	881 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Porch	Slab
Porch Area	468 sqft
Patio Area	442 sqft

Location & Zoning

Street Address	1525 HERBST RD
City	WATERLOO
State	IL
Zip	62298-5135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TAX LOT 6A SUR 407
Legal Range	11W
Legal Township	02S
Legal Section	22
Legal Subdivision	SURVEY 407
Legal Lot Number	6A
Jurisdiction	MONROE IL
Township / Civil Division	15
Census Block Group	1
Census Block	1077
Census Tract	600402

Owner

Source: Monroe County records · APN 06-22-400-003-000

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	1525 HERBST RD, WATERLOO, IL 62298-5135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Dec 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA NATIONAL BANK
Sep 06, 2017	Trustee's Deed, Construction Loan · Line of Credit COLUMBIA NAT'L BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Deed Document Number	2022423405
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1525 HERBST RD, WATERLOO, IL 62298-5135
Transaction Type	Mortgage
Record Updated	Mar 13, 2024
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432261
Date	Feb 29, 2024
Instrument	432261

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2034

Interest

Rate Type	Fixed Rate
Rate	8.75%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 24, 2022
Property Address	1525 HERBST RD, WATERLOO, IL 62298-5135
Document Number	0000423405
Instrument Date	Mar 23, 2022
Instrument	423405
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 HERBST RD, WATERLOO, IL 62298-5135

Mortgage

Document Number	0000423406
Date	Mar 24, 2022
Instrument	423406

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.5%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1525 HERBST RD, WATERLOO, IL 62298-5135
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399120
Date	Dec 12, 2018
Instrument	399120

Lender

Name	COLUMBIA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 30, 2038

Interest

Rate Type	Fixed Rate

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Sep 06, 2017
Property Address	1525 HERBST RD, WATERLOO, IL 62298-5135
Instrument Date	Aug 30, 2017
Instrument	391797
Transaction Type	Construction Loan
Record Updated	Aug 25, 2018
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8731 BLUFF RD WATERLOO IL 622985125, WATERLOO, IL 62298-5125

Mortgage

Document Number	0000391797
Date	Sep 06, 2017
Instrument	391797

Lender

Name	COLUMBIA NAT'L BK
Type	Bank
Address	COLUMBIA, IL 62236

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Valmeyer Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

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		$50,810 (+4.01%) Land $5,000 Building $45,810	$152,430 (+4.01%) Land $15,000 Building $137,430
2024	$3,295.00
2022		$48,850 Land $5,000 Building $43,850	$146,550 Land $15,000 Building $131,550

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Low above 3% of the US · above 21% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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