25 Station W, Waterloo, IL 62298 Property Records

Monroe County property record for 25 Station W, Waterloo, IL 62298

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 640 sqft · built 1985
Owner	Individual Name on File
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Jul 2026 Transfer Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-317-022-125`

Property Details

APN / Parcel Number

Primary APN	`07-25-317-022-125`
Alternative APN	`07-25-317-022-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	640 sqft Living Area
1st Floor Area	640 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Porch	Slab
Porch Area	63 sqft
Patio Area	240 sqft

Location & Zoning

Street Address	25 STATION W
City	WATERLOO
State	IL
Zip	62298-1827
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	WR5
Legal Description	LOT 102 UNIT 25 SUNSET ACRES 3RD ADDN 0231648
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	102
Legal Unit	25
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3000
Census Tract	600501

Owner

25 Station W, a condominium, is owned and occupied by an individual who acquired it in April 2025.

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	25 STATION W, WATERLOO, IL 62298-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Apr 10, 2026	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 16, 2025
Transfer Doc	0000437270
Record Updated	Oct 29, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Jul 10, 2026
Property Address	25 STATION W, WATERLOO, IL 62298-1827
Document Number	0000443423
Instrument Date	Jul 10, 2026
Instrument	2026443423
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STATION W, WATERLOO, IL 62298-1827

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 1, 2026
Property Address	25 STATION W, WATERLOO, IL 62298-1827
Document Number	0000441927
Instrument Date	Mar 27, 2026
Instrument	2026441927
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STATION W, WATERLOO, IL 62298-1827

Mortgage

Document Number	0000441927,
Date	Apr 1, 2026
Instrument	2026441927

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 27, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Apr 10, 2026
Property Address	25 STATION W, WATERLOO, IL 62298-1827
Document Number	0000442064
Instrument Date	Mar 18, 2026
Instrument	2026442064
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STATION W, WATERLOO, IL 62298-1827

Tax Assessment & Valuation

The 2025 property tax bill for 25 Station W was $2,362 with a homeowner's exemption.

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	$2,362.00 Homeowner's exemption	$49,270 (-4.01%) Land $3,330 Building $45,940	$147,810 (-4.01%) Land $9,990 Building $137,820
2024	$2,362.00	$51,327 Land $3,105 Building $48,222	$153,981 Land $9,315 Building $144,666
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$40,720 Land $2,940 Building $37,780	$122,160 Land $8,820 Building $113,340

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

Flood

FEMA maps place 25 Station W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

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

Wildfire risk around 25 Station W is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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