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20 Station W, Waterloo, IL 62298 Property Records

Monroe County property record for 20 Station W, Waterloo, IL 62298

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 640 sqft · built 1984
Lot Size0.467 acres (20,372 sqft)
OwnerIndividual Name on Record
Last Sale$126,000 (Nov 2018)
Tax Bill$2,426 (2025)
Deeds & MortgagesJan 2017 Mortgage
Nov 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-25-317-022-120

Property Details

APN / Parcel Number

Primary APN07-25-317-022-120
Alternative APN
  • 07-25-317-022-000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area640 sqft Living Area
1st Floor Area640 sqft
Basement Area640 sqft
Unfinished Basement640 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Architectural StyleCondo/Apartment
Lot Area20,372 sqft
Patio Area240 sqft

Location & Zoning

Street Address20 STATION W
CityWATERLOO
StateIL
Zip62298-1827
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeWR5
Legal DescriptionLOT 102 UNIT 20 SUNSET ACRES 3RD ADDN
Legal Range10W
Legal Township02S
Legal Section25
Legal SubdivisionSUNSET ACRES
Legal Lot Number102
Legal Unit20
JurisdictionMONROE IL
Township / Civil Division27
Census Block Group3
Census Block3000
Census Tract600501

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 RecordIndividual Name on Record
Mailing Address20 STATION W, WATERLOO, IL 62298-1827
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 4, 2017Deed of Trust, Mortgage · Conventional Mortgage
FIRST NATIONAL BANK WATERLOO
Nov 14, 2018Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 14, 2018 · Amount on Record
Deed SaleNov 14, 2018 · Amount on Record
Deed Document Number2018398746
Record UpdatedOct 29, 2026

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address20 STATION W, WATERLOO, IL 62298-1827
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyACCENT TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000387686
DateJan 4, 2017
Instrument387686
Lender
NameFIRST NATIONAL BANK WATERLOO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateNov 14, 2018
Property Address20 STATION W, WATERLOO, IL 62298-1827
Document Number0000398746
Instrument DateNov 14, 2018
Instrument398746
Transaction TypeTransfer
Record UpdatedApr 22, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$189.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 STATION W, WATERLOO, IL 62298-1827

Mortgage

Document Number0000398747
DateNov 14, 2018
Instrument398747
Lender
NameFAIRWAY INDEPENDENT MTG CORP
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,426.00 (-0.94%) Homeowner's exemption$45,520 (+21.06%) Land $3,330 Building $42,190$136,560 (+21.06%) Land $9,990 Building $126,570
2024$2,449.00
2022Additional exemption filed$37,600 Land $2,940 Building $34,660$112,800 Land $8,820 Building $103,980

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims8 (1993)
Claims Outside the SFHA2 of 8
Most Recent ClaimAug 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 RiskLow
lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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 315 locations within half a mile, as of December 31, 2025

ProviderMax 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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