219 Douglas St, Waterloo, IL 62298 Property Records

St. Clair County property record for 219 Douglas St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1900
Lot Size	0.88 acres (38,333 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Mar 2024)
Tax Bill	$5,094 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2024 Mortgage
APN	`16-11-0-201-022`

Property Details

APN / Parcel Number

Primary APN	`16-11-0-201-022`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	38,333 sqft (0.88 acres)
Garage Type	Mixed
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	716 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	219 DOUGLAS ST
City	WATERLOO
State	IL
Zip	62298-4511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB OF NE PT LOT B OF HORNS 1ST ADDN TO LOT/SEC-2 EXC N 25FT LTS 1 THRU 5 INCL ALL LTS 6 THRU 10 INCL & 25FT WIDE VAC ST LYIN
Legal Subdivision	SUB OF NE PT LOT B OF HORNS 1ST ADDN TO
Legal Block	201
Legal Lot Number	B,10
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3057
Census Tract	503203

Owner

Source: St. Clair County records, as of September 21, 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	219 DOUGLAS ST, WATERLOO, IL 62298-4511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 23, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2024 · Amount on Record
Deed Sale	Mar 1, 2024 · Amount on Record
Prior Sale	Jan 1, 1995 · Amount on Record
Deed Document Number	20242806658
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 1, 2024
Property Address	219 DOUGLAS ST, WATERLOO, IL 62298-4511
Document Number	0A02806658
Map Reference	MBG PG 23
Instrument Date	Mar 1, 2024
Instrument	A02806658
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	219 DOUGLAS ST, WATERLOO, IL 62298-4511

Mortgage

Document Number	0A02806659
Date	Mar 1, 2024
Instrument	A02806659

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate	6.99%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	219 DOUGLAS ST, WATERLOO, IL 62298-4511
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02803402
Date	Jan 23, 2024
Instrument	A02803402

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 22, 2025

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Millstadt Township
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,094.00 (+143.27%)	$68,067 (+22.5%) Land $4,742 Building $63,325	$204,201 (+22.5%) Land $14,226 Building $189,975
2022		$55,564 Land $3,980 Building $51,584	$166,692 Land $11,940 Building $154,752
2019	$2,094.00

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

FEMA Flood Zone	Not on file
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30

May also be available: AT&T.

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