214 W 3rd St, Waterloo, IL 62298 Property Records

Monroe County property record for 214 W 3rd St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,600 sqft · built 1813
Lot Size	0.25 acres (10,848 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,865 (2025)
Deeds & Mortgages	Nov 2025 Transfer May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-252-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-252-004-000`
Alternative APN	`07251120500700 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,600 sqft Building Perimeter
1st Floor Area	1,446 sqft
Upper Floors Area	154 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 1813
Effective Year Built	Effective 1813
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	10,848 sqft (0.25 acres)
Lot Dimensions	155 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	445 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	214 W 3RD ST
City	WATERLOO
State	IL
Zip	62298-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	LOT 25 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	25
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3055
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 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 Company Names on Record
Mailing Address	214 W 3RD ST, WATERLOO, IL 62298-1343
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Intrafamily Transfer, Transfer
May 11, 2023	Deed of Trust, Mortgage · Line of Credit STATE BANK
Jul 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage VANTAGE FCU
Jul 5, 2019	Deed of Trust, Mortgage · Line of Credit VANTAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 24, 2025
Transfer Doc	0000439946
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Nov 5, 2025
Property Address	214 W 3RD ST, WATERLOO, IL 62298-1343
Document Number	0000439946
Map Reference	MB A PG 6
Instrument Date	Oct 24, 2025
Instrument	439946
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 W 3RD ST, WATERLOO, IL 62298-1343

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	214 W 3RD ST, WATERLOO, IL 62298-1343

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	214 W 3RD ST, WATERLOO, IL 62298-1343
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428978
Date	May 11, 2023
Instrument	428978

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Apr 21, 2025

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	214 W 3RD ST, WATERLOO, IL 62298-1343
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BENCHMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396813
Date	Jul 9, 2018
Instrument	396813

Lender

Name	VANTAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 29, 2043

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	214 W 3RD ST, WATERLOO, IL 62298-1343
Document Number	0000402895
Instrument Date	Jul 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	BENCHMARK TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	214 W 3RD ST WATERLOO IL 622981343, WATERLOO, IL 62298-1343

Mortgage

Document Number	0000402895
Date	Aug 7, 2019
Instrument	402895

Lender

Name	VANTAGE CU
Address	BRIDGETON, MO 63044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 6, 2044

Interest

Rate Type	Adjustable Rate

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	$4,865.00 (+7.11%) Homeowner's exemption	$85,490 (+3.33%) Land $16,620 Building $68,870	$256,470 (+3.33%) Land $49,860 Building $206,610
2024	$4,542.00 Additional exemption filed	$82,735 (+14.43%) Land $16,275 Building $66,460	$248,205 (+14.43%) Land $48,825 Building $199,380
2022	Additional exemption filed	$72,300 Land $15,300 Building $57,000	$216,900 Land $45,900 Building $171,000

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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