209 Oak St, Waterloo, IL 62298 Property Records

Monroe County property record for 209 Oak St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 832 sqft · built 1965
Lot Size	0.08 acres (3,571 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jun 2026)
Tax Bill	$3,174 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-25-406-029-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-406-029-000`
Alternative APN	`07251540201700 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Lot Area	3,571 sqft (0.08 acres)
Lot Dimensions	70 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Concrete Driveway
Driveway Area	288 sqft
Porch	Slab
Porch Area	84 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	209 OAK ST
City	WATERLOO
State	IL
Zip	62298-1789
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 16D SOUTH OUTLOTS SEC 25
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Lot Number	16D
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4002
Census Tract	600501

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	Individual Name on Record
Mailing Address	2779 DOGWOOD LN, WATERLOO, IL 62298-4829
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
Feb 26, 2026	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Feb 26, 2026 · Amount on Record
Deed Document Number	2026442911
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 5, 2026
Property Address	209 OAK ST, WATERLOO, IL 62298-1789
Document Number	0000442911
Instrument Date	Jun 5, 2026
Instrument	2026442911
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,542.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2779 DOGWOOD LN, WATERLOO, IL 62298-4829

Mortgage

Document Number	0000442911,
Date	Jun 5, 2026
Instrument	2026442911

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Feb 26, 2026
Property Address	209 OAK ST, WATERLOO, IL 62298-1789
Document Number	0000441407
Map Reference	MB A PG 8
Instrument Date	Feb 22, 2026
Instrument	441407
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$202.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 1ST ST # ST11P, ST11P, JERSEY CITY, NJ 07302-2921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 STATE ROUTE 156, WATERLOO, IL 62298-6104

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	$3,174.00	$52,020 (+3.55%) Land $15,440 Building $36,580	$156,060 (+3.55%) Land $46,320 Building $109,740
2024	$3,174.00	$50,238 (+24.35%) Land $15,292 Building $34,946	$150,714 (+24.35%) Land $45,876 Building $104,838
2022		$40,400 Land $14,570 Building $25,830	$121,200 Land $43,710 Building $77,490

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 475 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: Wisper ISP.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures