Monroe County property record for 224 W Rose Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,650 sqft Living Area |
| Lot Size | 16,988 sqft (0.39 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $285,000 (2018) |
| Tax Bill | $8,096.00 (2024) |
| Primary APN | 07-12-317-219-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Building Area | 2,650 sqft Living Area |
| 1st Floor | 2,649 sqft 1st Floor |
| Basement Area | 2,649 sqft Basement |
| Unfinished Basement | 2,649 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame Construction |
| Lot Area | 16,988 sqft (0.39 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 1,338 sqft Driveway |
| Garage Area | 1,002 sqft Garage |
| Patio Area | 108 sqft Patio |
| Porch Area | 167 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 224 W ROSE LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5582 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 219 ROSE MEADOWS PHASE 1 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | ROSE MEADOWS |
| Legal Lot Number | 219 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 30 |
| Census Blockgroup | 2 |
| Census Block | 2054 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-12-317-219-000
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 W ROSE LN, WATERLOO, IL 62298-5582 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage · Line of Credit STATE BANK |
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Apr 20, 2018 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 20, 2018 · Amount on Record |
| Deed Sale | Apr 20, 2018 · Amount on Record |
| Deed Doc Number | 2018395411 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 224 W ROSE LN, WATERLOO, IL 62298-5582 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000430724 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 430724 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 15, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 224 W ROSE LN, WATERLOO, IL 62298-5582 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414264 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 414264 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 224 W ROSE LN, WATERLOO, IL 62298-5582 |
| Document Number | 0000404323 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2019 |
| Title Company | ACCENT TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 224 W ROSE LN WATERLOO IL 622985582, WATERLOO, IL 62298-5582 |
| Document Number | 0000404323 |
|---|---|
| Date | Oct 23, 2019 |
| Instrument | 404323 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2049 |
| Rate | 3.62% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 20, 2018 |
| Property Address | 224 W ROSE LN, WATERLOO, IL 62298-5582 |
| Document Number | 0000395411 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 395411 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2018 |
| Title Company | MASON COUNTY TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $427.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1420 DANNEHOLD FARMS DR WATERLOO IL 622985575, WATERLOO, IL 62298-5575 |
| Document Number | 395412 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 395412 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 19, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
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 | $147,590 (+27.94%) Land $17,550 Building $130,040 | $442,770 (+27.94%) Land $52,650 Building $390,120 | |
| 2024 | $8,096.00 | ||
| 2022 | Additional exemption filed | $115,360 Land $15,860 Building $99,500 | $346,080 Land $47,580 Building $298,500 |
224 W Rose Ln is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
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