16 Mary Ct, Waterloo, IL 62298 Property Records

Monroe County property record for 16 Mary Ct, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,694 sqft · built 1996
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Dec 2019)
Tax Bill	$6,523 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-014-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-014-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,694 sqft Living Area
1st Floor Area	1,694 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Foundation Type	Raised
Roof Type	Cathedral/Clerestory
Lot Area	32,234 sqft (0.74 acres)
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	1,365 sqft

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	168 sqft
Patio Area	326 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	16 MARY CT
City	WATERLOO
State	IL
Zip	62298-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 14 & PART LOT 15 LAKEVIEW ESTATES WEST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	14
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

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	Individual Name on Record
Mailing Address	16 MARY CT, WATERLOO, IL 62298-1835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Sep 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Dec 11, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2019 · Amount on Record
Deed Sale	Dec 11, 2019 · Amount on Record
Deed Document Number	2019405210
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Aug 6, 2026
Property Address	16 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000443833
Instrument Date	Jul 31, 2026
Instrument	2026443833
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MARY CT, WATERLOO, IL 62298-1835

Mortgage

Document Number	0000443833,
Date	Aug 6, 2026
Instrument	2026443833

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 4, 2046

Interest

Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	16 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426028
Date	Sep 12, 2022
Instrument	426028

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 12, 2042

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	16 MARY CT, WATERLOO, IL 62298-1835
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419730
Date	Sep 17, 2021
Instrument	419730

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 11, 2019
Property Address	16 MARY CT, WATERLOO, IL 62298-1835
Document Number	0000405210
Instrument Date	Dec 9, 2019
Instrument	405210
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MARY CT, WATERLOO, IL 62298-1835

Mortgage

Document Number	0000405211
Date	Dec 11, 2019
Instrument	405211

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$6,523.00 (+6.71%) Homeowner's exemption	$112,660 (+37.06%) Land $19,990 Building $92,670	$337,980 (+37.06%) Land $59,970 Building $278,010
2024	$6,113.00
2022	Additional exemption filed	$82,200 Land $17,410 Building $64,790	$246,600 Land $52,230 Building $194,370

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 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	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 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
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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