206 Adams Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 206 Adams Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,440 sqft · built 1987
Lot Size	0.31 acres (13,471 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jun 2019)
Tax Bill	$4,551 (2025)
Deeds & Mortgages	Mar 2026 Transfer Dec 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-352-019-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-352-019-000`
Alternative APN	`08191710402300 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	13,471 sqft (0.31 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	1,256 sqft

Exterior Amenities

Porch	Slab
Porch Area	834 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	206 ADAMS DR
City	WATERLOO
State	IL
Zip	62298-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 59 & PART LOT 55 EAST RIDGE 3
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	59
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1008
Census Tract	600401

Owner

Source: Monroe County records, as of October 20, 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	206 ADAMS DR, WATERLOO, IL 62298-1503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 4, 2025	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 20, 2022	Intrafamily Transfer, Transfer
Jun 20, 2022	Intrafamily Transfer, Transfer
Sep 15, 2020	Deed of Trust, Mortgage · Line of Credit PNC BK
Jun 3, 2019	Warranty Deed, Transfer · Conventional Mortgage PNC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Deed Document Number	2019401757
Last Transfer Date	Nov 25, 2025
Transfer Doc	0000440373
Record Updated	Oct 29, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Mar 20, 2026
Property Address	206 ADAMS DR, WATERLOO, IL 62298-1503
Document Number	0000441734
Instrument Date	Mar 4, 2026
Instrument	441734
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

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	208 HECK, WATERLOO, IL 62298-2931

December 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Dec 4, 2025
Property Address	206 ADAMS DR, WATERLOO, IL 62298-1503
Document Number	0000440373
Instrument Date	Nov 25, 2025
Instrument	440373
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

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	206 ADAMS DR, WATERLOO, IL 62298-1503

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Jun 20, 2022
Property Address	206 ADAMS DR, WATERLOO, IL 62298-1503
Document Number	0000424788
Instrument Date	Jun 16, 2022
Instrument	424788
Transaction Type	Transfer
Record Updated	Jul 6, 2022

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	206 ADAMS DR, WATERLOO, IL 62298-1503

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Jun 20, 2022
Property Address	206 ADAMS DR, WATERLOO, IL 62298-1503
Document Number	0000424787
Instrument Date	Jun 16, 2022
Instrument	424787
Transaction Type	Transfer
Record Updated	Jul 6, 2022

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	206 ADAMS DR, WATERLOO, IL 62298-1503

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	206 ADAMS DR, WATERLOO, IL 62298-1503
Document Number	0000411560
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 ADAMS DR WATERLOO IL 622981503, WATERLOO, IL 62298-1503

Mortgage

Document Number	0000411560
Date	Oct 7, 2020
Instrument	411560

Lender

Name	PNC BK
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Term	360 Months
Due	Oct 6, 2050

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 3, 2019
Property Address	206 ADAMS DR, WATERLOO, IL 62298-1503
Document Number	0000401757
Instrument Date	May 31, 2019
Instrument	401757
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	206 ADAMS DR, WATERLOO, IL 62298-1503

Mortgage

Document Number	0000401758
Date	Jun 3, 2019
Instrument	401758

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.63%

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	$4,551.00 (+9.64%) Homeowner's exemption	$84,590 (+4.26%) Land $16,830 Building $67,760	$253,770 (+4.26%) Land $50,490 Building $203,280
2024	$4,151.00 Homeowner's exemption Additional exemption filed	$81,130 (+16.99%) Land $16,454 Building $64,676	$243,390 (+16.99%) Land $49,362 Building $194,028
2022	Homeowner's exemption Additional exemption filed	$69,350 Land $15,460 Building $53,890	$208,050 Land $46,380 Building $161,670

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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