204 Thomas Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 204 Thomas Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,267 sqft · built 1993
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$403,000 (May 2023)
Tax Bill	$8,172 (2025)
Deeds & Mortgages	May 2023 Sale & Construction Loan Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-13-117-006-000`

Property Details

APN / Parcel Number

Primary APN	`07-13-117-006-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,267 sqft Building Perimeter
1st Floor Area	1,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	43,560 sqft (1 acres)
Garage Area	986 sqft
Driveway	Concrete Driveway
Driveway Area	1,080 sqft
Porch	Slab
Porch Area	278 sqft
Patio Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	204 THOMAS LN
City	WATERLOO
State	IL
Zip	62298-5511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR1
Legal Description	LOT 6 STERRITTS RUN
Legal Range	10W
Legal Township	02S
Legal Section	13
Legal Subdivision	STERRITT'S RUN
Legal Lot Number	6
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2056
Census Tract	600402

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	2 Individual Names on Record
Mailing Address	204 THOMAS LN, WATERLOO, IL 62298-5511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Warranty Deed, Construction Loan · Construction Mortgage BANK OF AMERICA
Aug 10, 2022	Intrafamily Transfer, Transfer · FHA Mortgage CARRINGTON MORTGAGE SVCS
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Mar 13, 2017	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on Record
Deed Sale	May 16, 2023 · Amount on Record
Prior Sale	Aug 10, 2022
Deed Document Number	2023429020
Prior Transfer Date	Aug 4, 2022
Prior Transfer Doc	0000425593
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 16, 2023
Property Address	204 THOMAS LN, WATERLOO, IL 62298-5511
Document Number	0000429020
Instrument Date	May 15, 2023
Instrument	429020
Transaction Type	Construction Loan
Record Updated	Jun 7, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$604.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 991, COLUMBIA, IL 62236-0991

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 THOMAS LN, WATERLOO, IL 62298-5511

Mortgage

Document Number	0000429021
Date	May 16, 2023
Instrument	429021

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.88%

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Aug 10, 2022
Property Address	204 THOMAS LN, WATERLOO, IL 62298-5511
Document Number	0000425593
Instrument Date	Aug 4, 2022
Instrument	425593
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	TOWN AND COUNTRY TITLE, TOWN & COUNTRY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 THOMAS LN, WATERLOO, IL 62298-5511

Mortgage

Document Number	0000425594
Date	Aug 10, 2022
Instrument	425594

Lender

Name	CARRINGTON MORTGAGE SVCS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	204 THOMAS LN, WATERLOO, IL 62298-5511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000393321
Date	Dec 6, 2017
Instrument	393321

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2032

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	204 THOMAS LN, WATERLOO, IL 62298-5511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000387901
Date	Jan 19, 2017
Instrument	387901

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Mar 13, 2017
Property Address	204 THOMAS LN, WATERLOO, IL 62298-5511
Document Number	0000388727
Instrument Date	Feb 23, 2017
Instrument	388727
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	NATIONS TITLE AGENCY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 THOMAS LN, WATERLOO, IL 62298-5511

Mortgage

Document Number	0000388728
Date	Mar 13, 2017
Instrument	388728

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$8,172.00 (+5.15%) Homeowner's exemption	$139,680 (+32.89%) Land $21,780 Building $117,900	$419,040 (+32.89%) Land $65,340 Building $353,700
2024	$7,772.00
2022	Additional exemption filed	$105,110 Land $18,440 Building $86,670	$315,330 Land $55,320 Building $260,010

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 Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 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 99.1% of the US · lower than 94% 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 134 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: Verizon, Wisper ISP.

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