206 Oak St, Waterloo, IL 62298 Property Records

Monroe County property record for 206 Oak St, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,144 sqft · built 1925
Lot Size	0.21 acres (9,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,577 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-25-407-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-407-005-000`
Alternative APN	`07251540302300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	9,197 sqft (0.21 acres)
Lot Dimensions	184 ft deep x 50 ft wide
Porch	Porch
Porch Area	192 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	206 OAK ST
City	WATERLOO
State	IL
Zip	62298-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1B, 2B, 3B, & 4B ROSE & OMELVENEYS ADDN 0125168
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	1B
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4033
Census Tract	600501

Owner

Source: Monroe County records · APN 07-25-407-005-000

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	206 OAK ST, WATERLOO, IL 62298-1425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 16, 2026
Property Address	206 OAK ST, WATERLOO, IL 62298-1425
Document Number	0000442111
Instrument Date	Mar 24, 2026
Instrument	2026442111
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 OAK ST, WATERLOO, IL 62298-1425

Mortgage

Document Number	0000442111,
Date	Apr 16, 2026
Instrument	2026442111

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	5.98%
Max Rate	-1%

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,670 (+16.7%) Land $16,350 Building $44,320	$182,010 (+16.7%) Land $49,050 Building $132,960
2024	$1,577.00
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$51,990 Land $15,150 Building $36,840	$155,970 Land $45,450 Building $110,520

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · 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

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; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 475 locations within about half a mile of this property

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

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