Monroe County property record for 224 Norma Ave, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1944 |
| Square Footage | 872 sqft Building Perimeter |
| Lot Size | 6,702 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $124,500 (2026) |
| Tax Bill | $1,424.00 (2024) |
| Primary APN | 07-24-465-011-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 872 sqft Building Perimeter |
| 1st Floor | 872 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 6,702 sqft (0.15 acres) |
| Depth X Width | 130 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 400 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 224 NORMA AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1528 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 1 HEYLS SUBD0185099 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | HEYLS SUB |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 31 |
| Census Blockgroup | 4 |
| Census Block | 4053 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-465-011-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 224 NORMA AVE, WATERLOO, IL 62298-1528 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Guardian, Transfer · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE, INC |
| Feb 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on Record |
| Deed Sale | Apr 24, 2026 · Amount on Record |
| Deed Doc Number | 2026442276 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Guardian |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 24, 2026 |
| Property Address | 224 NORMA AVE, WATERLOO, IL 62298-1528 |
| Document Number | 0000442276 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026.442276 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2026 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $18,861.75 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 224 NORMA AVE, WATERLOO, IL 62298-1528 |
| Document Number | 0000442277, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026.442277 |
| Name | GUARANTEED RATE, INC |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 224 NORMA AVE, WATERLOO, IL 62298-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMERICAN HOME TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000394497 |
|---|---|
| Date | Feb 23, 2018 |
| Instrument | 394497 |
| Name | ROUNDPOINT MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $61,520 (-0.64%) Land $15,960 Building $45,560 | $184,560 (-0.64%) Land $47,880 Building $136,680 | |
| 2024 | $1,424.00 | $61,919 (+21.79%) Land $15,746 Building $46,173 | $185,757 (+21.79%) Land $47,238 Building $138,519 |
| 2022 | Homeowner's exemption Additional exemption filed | $50,840 Land $14,910 Building $35,930 | $152,520 Land $44,730 Building $107,790 |
224 Norma Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 3rd percentile of exposed land nationally · 21st in Illinois |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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