Monroe County property record for 1609 Ontario Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,706 sqft · built 2016 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $499,000 (Feb 2025) |
| Tax Bill | $881 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-401-067-000 |
| Primary APN | 07-12-401-067-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,706 sqft Living Area |
| 1st Floor Area | 1,706 sqft |
| Basement Area | 1,706 sqft |
| Unfinished Basement | 1,706 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick/Stone |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Area | 806 sqft |
| Porch | Porch |
| Porch Area | 296 sqft |
| Patio Area | 198 sqft |
| Cooling System | Central |
|---|
| Street Address | 1609 ONTARIO DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5594 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 67 NORTH WINDS PHASE 1 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | NORTH WINDS |
| Legal Lot Number | 67 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 4 |
| Census Block | 4060 |
| Census Tract | 600401 |
1609 Ontario Dr is owned and occupied by two individuals who bought it in February 2025.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1609 ONTARIO DR, WATERLOO, IL 62298-5594 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Dec 15, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERICAN MORTGAGE CORP |
| Aug 19, 2020 | Deed of Trust, Mortgage · VA Mortgage AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2025 · Amount on File |
| Deed Sale | Feb 24, 2025 · Amount on File |
| Deed Document Number | 2025436545 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1609 ONTARIO DR, WATERLOO, IL 62298-5594 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000428559 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 428559 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1609 ONTARIO DR, WATERLOO, IL 62298-5594 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000421487 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 421487 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1609 ONTARIO DR, WATERLOO, IL 62298-5594 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000410328 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 410328 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1609 Ontario Dr was $881 with a disabled person's exemption, down 86.8% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $881.00 (-86.79%) Homeowner's exemption Disabled Person's exemption | $125,000 Land $17,600 Building $107,400 | $375,000 Land $52,800 Building $322,200 |
| 2024 | $6,669.00 | ||
| 2022 | Additional exemption filed | $98,790 Land $15,910 Building $82,880 | $296,370 Land $47,730 Building $248,640 |
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.
FEMA maps place 1609 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 risk around 1609 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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