1544 Ontario Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 1544 Ontario Dr, Waterloo, IL 62298

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,399 sqft · built 2006
Owner	2 Individual Names on File
Last Sale	$234,900 (Dec 2020)
Tax Bill	$3,885 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-12-401-081-101`

Property Details

APN / Parcel Number

Primary APN	`07-12-401-081-101`
Alternative APN	`07-12-401-081-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,399 sqft Living Area
1st Floor Area	1,399 sqft
Basement Area	1,399 sqft
Unfinished Basement	1,399 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	630 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1544 ONTARIO DR
City	WATERLOO
State	IL
Zip	62298-5620
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	WR5
Legal Description	UNIT 7 VILLAS OF NORTHWINDS PLAT 3
Legal Range	10W
Legal Township	02S
Legal Section	12
Legal Subdivision	NORTH WINDS
Legal Unit	7
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	4
Census Block	4005
Census Tract	600401

Owner

1544 Ontario Dr, a condominium, is owned and occupied by two individuals who bought it in December 2020.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1544 ONTARIO DR, WATERLOO, IL 62298-5620
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Dec 8, 2020	Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Deed Document Number	2020413204
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1544 ONTARIO DR, WATERLOO, IL 62298-5620
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000411953
Date	Oct 23, 2020
Instrument	411953

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 23, 2021

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 8, 2020
Property Address	1544 ONTARIO DR, WATERLOO, IL 62298-5620
Document Number	0000413204
Map Reference	DOC 297219
Instrument Date	Dec 8, 2020
Instrument	413204
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1544 ONTARIO DR, WATERLOO, IL 62298-5620

Mortgage

Document Number	0000413205
Date	Dec 8, 2020
Instrument	413205

Lender

Name	SCOTT CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.38%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1544 ONTARIO DR, WATERLOO, IL 62298-5620
Document Number	0000403025
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 ONTARIO DR WATERLOO IL 622985620, WATERLOO, IL 62298-5620

Mortgage

Document Number	0000403025
Date	Aug 16, 2019
Instrument	403025

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 15, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1544 Ontario Dr was $3,885 with a homeowner's exemption.

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	$3,885.00 Homeowner's exemption	$74,220 Land $2,540 Building $71,680	$222,660 Land $7,620 Building $215,040
2024	$3,885.00
2022	Homeowner's exemption Additional exemption filed	$63,050 Land $1,900 Building $61,150	$189,150 Land $5,700 Building $183,450

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

FEMA maps place 1544 Ontario Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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

Wildfire risk around 1544 Ontario Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 10 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: Wisper ISP.

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