227 N Moore St, Waterloo, IL 62298 Property Records

Monroe County property record for 227 N Moore St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 832 sqft · built 1880
Lot Size	0.3 acres (13,154 sqft)
Owner	Individual Name on Record
Last Sale	$167,500 (Apr 2026)
Tax Bill	$717 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-135-021-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-135-021-000`
Alternative APN	`07250610400600 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	832 sqft Building Perimeter
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	13,154 sqft (0.3 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	200 sqft

Location & Zoning

Street Address	227 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	TAX LOTS 46A & 50
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WEST OUTLOTS
Legal Lot Number	46A,50
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	Individual Name on Record
Mailing Address	716 PHEASANT RUN, WATERLOO, IL 62298-3377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Jan 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO
Aug 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Deed Document Number	2026441975
Record Updated	Oct 29, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 6, 2026
Property Address	227 N MOORE ST, WATERLOO, IL 62298-1230
Document Number	0000441975
Instrument Date	Apr 3, 2026
Instrument	2026441975
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,376.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441976,
Date	Apr 6, 2026
Instrument	2026441976

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.88%
Initial Type	Fixed Rate
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	227 N MOORE ST, WATERLOO, IL 62298-1230
Document Number	0000399820
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	227 N MOORE ST WATERLOO IL 622981230, WATERLOO, IL 62298-1230

Mortgage

Document Number	0000399820
Date	Feb 5, 2019
Instrument	399820

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2049

Interest

Rate	4.75%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	227 N MOORE ST, WATERLOO, IL 62298-1230
Document Number	0000391892
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	227 N MOORE ST WATERLOO IL 622981230, WATERLOO, IL 62298-1230

Mortgage

Document Number	0000391892
Date	Sep 12, 2017
Instrument	391892

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 11, 2037

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	$717.00 Homeowner's exemption Senior Citizen's exemption	$53,330 (+3.06%) Land $17,020 Building $36,310	$159,990 (+3.06%) Land $51,060 Building $108,930
2024	$717.00	$51,749 (+12.96%) Land $16,591 Building $35,158	$155,247 (+12.96%) Land $49,773 Building $105,474
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$45,810 Land $15,530 Building $30,280	$137,430 Land $46,590 Building $90,840

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

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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