225 N Moore St, Waterloo, IL 62298 Property Records

Monroe County property record for 225 N Moore St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,216 sqft · built 1870
Lot Size	0.54 acres (23,450 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,510 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-135-022-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-135-022-000`
Alternative APN	`07250610400500 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,050 sqft
Upper Floors Area	209 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	23,450 sqft (0.54 acres)
Lot Dimensions	276 ft deep x 81 ft wide
Garage Area	1,023 sqft
Porch	Slab
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	225 N MOORE ST
City	WATERLOO
State	IL
Zip	62298-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 49
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Lot Number	49
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3045
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 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	225 N MOORE ST, WATERLOO, IL 62298-1230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional with PMI STATE BK/WATERLOO
Apr 18, 2017	Warranty Deed, Transfer · Conventional with PMI STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	225 N MOORE ST, WATERLOO, IL 62298-1230
Document Number	0000407730
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	225 N MOORE ST WATERLOO IL 622981230, WATERLOO, IL 62298-1230

Mortgage

Document Number	0000407730
Date	May 4, 2020
Instrument	407730

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

Interest

Rate	3.12%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 18, 2017
Property Address	225 N MOORE ST, WATERLOO, IL 62298-1230
Document Number	0000389308
Instrument Date	Apr 17, 2017
Instrument	389308
Transaction Type	Transfer
Record Updated	May 10, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	225 N MOORE ST WATERLOO IL 622981230, WATERLOO, IL 62298-1230

Mortgage

Document Number	389309
Date	Apr 18, 2017
Instrument	389309

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.41%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$4,510.00 (+5.74%)	$73,920 (+16.04%) Land $18,280 Building $55,640	$221,760 (+16.04%) Land $54,840 Building $166,920
2024	$4,265.00
2022		$63,700 Land $16,330 Building $47,370	$191,100 Land $48,990 Building $142,110

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

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 458 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
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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