221 Hamacher St, Waterloo, IL 62298 Property Records

Monroe County property record for 221 Hamacher St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,226 sqft · built 1944
Lot Size	0.27 acres (11,861 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,031 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-465-016-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-465-016-000`
Alternative APN	`07242040100900 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,226 sqft Living Area
1st Floor Area	1,226 sqft
Basement Area	1,226 sqft
Unfinished Basement	1,226 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	11,861 sqft (0.27 acres)
Lot Dimensions	145 ft deep x 80 ft wide
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	1,344 sqft
Parking Spaces	2 Parking Spaces
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	221 HAMACHER ST
City	WATERLOO
State	IL
Zip	62298-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 10M
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Lot Number	10M
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	4
Census Block	4053
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 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	221 HAMACHER ST, WATERLOO, IL 62298-1525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 26, 2017	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	221 HAMACHER ST, WATERLOO, IL 62298-1525
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440322
Date	Dec 3, 2025
Instrument	440322

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2045

Interest

Rate Type	Fixed Rate
Rate	9.25%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 26, 2017
Property Address	221 HAMACHER ST, WATERLOO, IL 62298-1525
Document Number	0000389472
Instrument Date	Apr 26, 2017
Instrument	389472
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.00
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	221 HAMACHER ST WATERLOO IL 622981525, WATERLOO, IL 62298-1525

Mortgage

Document Number	389473
Date	Apr 26, 2017
Instrument	389473

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%

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		$73,690 (+21.96%) Land $16,700 Building $56,990	$221,070 (+21.96%) Land $50,100 Building $170,970
2024	$4,031.00
2022	Additional exemption filed	$60,420 Land $15,350 Building $45,070	$181,260 Land $46,050 Building $135,210

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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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