2 Richard St, Waterloo, IL 62298 Property Records

Monroe County property record for 2 Richard St, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,656 sqft · built 1963
Lot Size	0.3 acres (12,987 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2023)
Tax Bill	$4,810 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Jan 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-13-153-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-13-153-007-000`
Alternative APN	`07131030700200 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft
Basement Area	1,656 sqft
Unfinished Basement	1,656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	12,987 sqft (0.3 acres)
Garage Area	506 sqft
Driveway	Asphalt Driveway
Driveway Area	1,232 sqft
Porch	Porch
Porch Area	192 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2 RICHARD ST
City	WATERLOO
State	IL
Zip	62298-5526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 LOU DEL SUBD
Legal Range	10W
Legal Township	02S
Legal Section	13
Legal Subdivision	LOU DEL
Legal Lot Number	15
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2067
Census Tract	600402

Owner

Source: Monroe County records · APN 07-13-153-007-000

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	2 RICHARD ST, WATERLOO, IL 62298-5526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 26, 2023	Warranty Deed, Transfer
Mar 06, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/WATERLOO
Dec 31, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Jan 26, 2023 · Amount on Record
Deed Document Number	2023430272
Prior Transfer Date	Dec 24, 2018
Prior Transfer Doc	0000399377
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 25, 2023
Property Address	2 RICHARD ST, WATERLOO, IL 62298-5526
Document Number	0000430272
Map Reference	MB 70 PG 59
Instrument Date	Aug 18, 2023
Instrument	430272
Transaction Type	Transfer
Record Updated	Sep 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 RICHARD ST, WATERLOO, IL 62298-5526

Mortgage

Document Number	0000430273
Date	Aug 25, 2023
Instrument	430273

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 26, 2023
Property Address	2 RICHARD ST, WATERLOO, IL 62298-5526
Document Number	0000427735
Map Reference	MB B PG 124
Instrument Date	Jan 19, 2023
Instrument	427735
Transaction Type	Transfer
Record Updated	Feb 15, 2023

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6216 DELOR ST, SAINT LOUIS, MO 63109-3124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RICHARD ST, WATERLOO, IL 62298-5526

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2 RICHARD ST, WATERLOO, IL 62298-5526
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000400222
Date	Mar 06, 2019
Instrument	400222

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2 RICHARD ST, WATERLOO, IL 62298-5526
Document Number	0000410546
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Sep 21, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RICHARD ST WATERLOO IL 622985526, WATERLOO, IL 62298-5526

Mortgage

Document Number	0000410546
Date	Aug 28, 2020
Instrument	410546

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Dec 31, 2018
Property Address	2 RICHARD ST, WATERLOO, IL 62298-5526
Document Number	0000399377
Instrument Date	Dec 24, 2018
Instrument	399377
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RICHARD ST WATERLOO IL 622985526, WATERLOO, IL 62298-5526

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
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (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		$90,900 (+33.81%) Land $16,900 Building $74,000	$272,700 (+33.81%) Land $50,700 Building $222,000
2024	$4,810.00
2022	Additional exemption filed	$67,930 (+3.6%) Land $15,470 Building $52,460	$203,790 (+3.6%) Land $46,410 Building $157,380
2021	$3,908.00 Additional exemption filed	$65,570 Land $13,090 Building $52,480	$196,710 Land $39,270 Building $157,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 120 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
HTC Holding	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
HTC Holding	DSL	100 / 20

May also be available at this address: Wisper ISP, Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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