210 W 4th St, Waterloo, IL 62298 Property Records

Monroe County property record for 210 W 4th St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,105 sqft · built 1920
Lot Size	0.22 acres (9,560 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jan 2022)
Tax Bill	$3,838 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-254-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-254-002-000`
Alternative APN	`07251120800900 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,105 sqft Building Perimeter
1st Floor Area	1,105 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,560 sqft (0.22 acres)
Lot Dimensions	155 ft deep x 62 ft wide

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	119 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	210 W 4TH ST
City	WATERLOO
State	IL
Zip	62298-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 9 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	9
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3062
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 assessment roll, as of August 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	210 W 4TH ST, WATERLOO, IL 62298-1335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 20, 2021	Warranty Deed, Transfer
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
May 9, 2017	Grant Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Aug 20, 2021 · Amount on Record
Deed Document Number	2022422075
Prior Transfer Date	Jan 12, 2022
Prior Transfer Doc	0000422075
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 13, 2022
Property Address	210 W 4TH ST, WATERLOO, IL 62298-1335
Document Number	0000422075
Map Reference	MB A PG 7
Instrument Date	Jan 12, 2022
Instrument	422075
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4515 FOUNTAIN BROOK DR, 4515, WATERLOO, IL 62298-2747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 W 4TH ST, WATERLOO, IL 62298-1335

Mortgage

Document Number	0000422076
Date	Jan 13, 2022
Instrument	422076

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.25%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 20, 2021
Property Address	210 W 4TH ST, WATERLOO, IL 62298-1335
Document Number	0000419239
Instrument Date	Aug 16, 2021
Instrument	419239
Transaction Type	Transfer
Record Updated	Sep 8, 2021

Transaction

Amount	Amount Recorded
Tax	$287.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 FOUNTAIN BROOK DR, WATERLOO, IL 62298-2747

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	210 W 4TH ST, WATERLOO, IL 62298-1335
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415896
Date	Mar 29, 2021
Instrument	415896

Lender

Name	PRIMELENDING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	May 9, 2017
Property Address	210 W 4TH ST, WATERLOO, IL 62298-1335
Document Number	0000389710
Instrument Date	May 2, 2017
Instrument	389710
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	210 W 4TH ST WATERLOO IL 622981335, WATERLOO, IL 62298-1335

Mortgage

Document Number	389711
Date	May 9, 2017
Instrument	389711

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2047

Interest

Rate	4.37%

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		$72,600 (+29.85%) Land $16,400 Building $56,200	$217,800 (+29.85%) Land $49,200 Building $168,600
2024	$3,838.00
2022	Additional exemption filed	$55,910 Land $15,150 Building $40,760	$167,730 Land $45,450 Building $122,280

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

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
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

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