217 Ditchs Run, Waterloo, IL 62298 Property Records

Monroe County property record for 217 Ditchs Run, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,016 sqft · built 2001
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Mar 2022)
Tax Bill	$7,204 (2024)
Deeds & Mortgages	May 2026 Mortgage Mar 2022 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-13-481-027-000`

Property Details

APN / Parcel Number

Primary APN	`07-13-481-027-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Basement Area	2,016 sqft
Unfinished Basement	2,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	34,412 sqft (0.79 acres)
Garage Area	742 sqft
Driveway	Concrete Driveway
Driveway Area	1,254 sqft

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	392 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	217 DITCHS RUN
City	WATERLOO
State	IL
Zip	62298-3274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 27 MARNEYS CLEARING
Legal Range	10W
Legal Township	02S
Legal Section	13
Legal Subdivision	MARNEY'S CLEARING
Legal Lot Number	27
Jurisdiction	MONROE IL
Township / Civil Division	16
Census Block Group	4
Census Block	4042
Census Tract	600401

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	2 Individual Names on File
Mailing Address	217 DITCHS RUN, WATERLOO, IL 62298-3274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 16, 2022	Deed, Construction Loan · Construction Mortgage DELMAR FINANCIAL CO
Oct 25, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 16, 2022 · Amount on Record
Deed Sale	Mar 16, 2022 · Amount on Record
Deed Document Number	2022423208
Prior Transfer Date	Oct 24, 2018
Prior Transfer Doc	0000398438
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	May 26, 2026
Property Address	217 DITCHS RUN, WATERLOO, IL 62298-3274
Document Number	0000442716
Instrument Date	May 20, 2026
Instrument	2026442716
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 DITCHS RUN, WATERLOO, IL 62298-3274

Mortgage

Document Number	0000442716,
Date	May 26, 2026
Instrument	2026442716

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	10.6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Mar 16, 2022
Property Address	217 DITCHS RUN, WATERLOO, IL 62298-3274
Document Number	0000423208
Map Reference	DOC 205077
Instrument Date	Mar 15, 2022
Instrument	423208
Transaction Type	Construction Loan
Record Updated	Apr 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
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	217 DITCHS RUN, WATERLOO, IL 62298-3274

Mortgage

Document Number	0000423209
Date	Mar 16, 2022
Instrument	423209

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	4.13%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Oct 25, 2018
Property Address	217 DITCHS RUN, WATERLOO, IL 62298-3274
Document Number	0000398438
Instrument Date	Oct 24, 2018
Instrument	398438
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	217 DITCHS RUN WATERLOO IL 622983274, WATERLOO, IL 62298-3274

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		$130,890 (+2.49%) Land $20,300 Building $110,590	$392,670 (+2.49%) Land $60,900 Building $331,770
2024	$7,204.00	$127,714 (+24.24%) Land $19,263 Building $108,451	$383,142 (+24.24%) Land $57,789 Building $325,353
2022	Additional exemption filed	$102,800 Land $17,550 Building $85,250	$308,400 Land $52,650 Building $255,750

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 68 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
Starlink Satellite	280 / 30
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

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