207 Flower St, Waterloo, IL 62298 Property Records

Monroe County property record for 207 Flower St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,114 sqft · built 1924
Lot Size	0.12 acres (5,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Sep 2025)
Tax Bill	$2,491 (2024)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-203-020-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-203-020-000`
Alternative APN	`07250720300900 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,114 sqft Living Area
1st Floor Area	1,114 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	5,362 sqft (0.12 acres)
Lot Dimensions	148 ft deep x 36 ft wide

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Shed	1 Shed
Shed Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	207 FLOWER ST
City	WATERLOO
State	IL
Zip	62298-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 5 TRAILS RESURVEY OF MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	TRAILS RESURVEY OF MARTINS ADD
Legal Lot Number	5
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3035
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County records, as of July 20, 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	603 SUNSET LN, 8, WATERLOO, IL 62298-1872
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Special Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Jun 2, 2023	Deed of Trust, Mortgage HUD
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2025439298
Record Updated	Sep 20, 2026

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 16, 2025
Property Address	207 FLOWER ST, WATERLOO, IL 62298-1208
Document Number	0000439298
Map Reference	MB P PG 61
Instrument Date	Sep 16, 2025
Instrument	439298
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 FLOWER ST, WATERLOO, IL 62298-1208

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	207 FLOWER ST, WATERLOO, IL 62298-1208

Mortgage

Document Number	0000439299
Date	Sep 16, 2025
Instrument	439299

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.63%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	207 FLOWER ST, WATERLOO, IL 62298-1208
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000429221
Date	Jun 2, 2023
Instrument	429221

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 30, 2021
Property Address	207 FLOWER ST, WATERLOO, IL 62298-1208
Document Number	0000418158
Instrument Date	Jun 29, 2021
Instrument	418158
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 FLOWER ST, WATERLOO, IL 62298-1208

Mortgage

Document Number	0000418159
Date	Jun 30, 2021
Instrument	418159

Lender

Name	HOME POINT FINANCIAL CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$43,830 (+4.12%) Land $15,710 Building $28,120	$131,490 (+4.12%) Land $47,130 Building $84,360
2024	$2,491.00	$42,096 (+3.38%) Land $15,514 Building $26,582	$126,288 (+3.38%) Land $46,542 Building $79,746
2022		$40,720 Land $14,730 Building $25,990	$122,160 Land $44,190 Building $77,970

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 458 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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