212 Hardy Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 212 Hardy Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,767 sqft · built 1870
Lot Size	0.63 acres (27,653 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,741 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-30-301-002-000`

Property Details

APN / Parcel Number

Primary APN	`08-30-301-002-000`
Alternative APN	`08301330400200 00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,767 sqft Building Perimeter
1st Floor Area	1,767 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	27,653 sqft (0.63 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	322 sqft

Location & Zoning

Street Address	212 HARDY LN
City	WATERLOO
State	IL
Zip	62298-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	PART LOTS 8E & 8B
Legal Range	09W
Legal Township	02S
Legal Section	30
Legal Subdivision	WATERLOO
Legal Lot Number	8E,8B
Jurisdiction	MONROE IL
Township / Civil Division	19
Census Block Group	1
Census Block	1021
Census Tract	600401

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	2 Individual Names on Record
Mailing Address	212 HARDY LN, WATERLOO, IL 62298-1612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Apr 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK
Jan 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 12, 2022
Transfer Doc	0000423869
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	212 HARDY LN, WATERLOO, IL 62298-1612
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428310
Date	Mar 20, 2023
Instrument	428310

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	9%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Apr 18, 2022
Property Address	212 HARDY LN, WATERLOO, IL 62298-1612
Document Number	0000423869
Instrument Date	Apr 12, 2022
Instrument	423869
Transaction Type	Transfer
Record Updated	May 4, 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
Relationship	Joint Tenants with Right of Survivorship
Address	212 HARDY LN, WATERLOO, IL 62298-1612

Mortgage

Document Number	0000423870
Date	Apr 18, 2022
Instrument	423870

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	212 HARDY LN, WATERLOO, IL 62298-1612
Document Number	0000388084
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2017
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 HARDY LN WATERLOO IL 622981612, WATERLOO, IL 62298-1612

Mortgage

Document Number	0000388084
Date	Jan 31, 2017
Instrument	388084

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

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	$5,741.00 (+13.66%) Homeowner's exemption	$99,850 (+30.68%) Land $19,270 Building $80,580	$299,550 (+30.68%) Land $57,810 Building $241,740
2024	$5,051.00
2022	Additional exemption filed	$76,410 Land $16,960 Building $59,450	$229,230 Land $50,880 Building $178,350

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 242 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.

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