Monroe County property record for 28 Dwight St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,378 sqft · built 1996 |
| Lot Size | 0.29 acres (12,494 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,889 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-13-150-001-000 |
| Primary APN | 07-13-150-001-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| 1st Floor Area | 1,378 sqft |
| Basement Area | 1,378 sqft |
| Unfinished Basement | 1,378 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Frame |
| Lot Area | 12,494 sqft (0.29 acres) |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 684 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 147 sqft |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 28 DWIGHT ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 85 LOU DEL 4TH ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | LOU DEL |
| Legal Lot Number | 85 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 600402 |
28 Dwight St is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 DWIGHT ST, WATERLOO, IL 62298-5540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 31, 2026 |
| Property Address | 28 DWIGHT ST, WATERLOO, IL 62298-5540 |
| Document Number | 0000444159 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 2026444159 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 DWIGHT ST, WATERLOO, IL 62298-5540 |
| Document Number | 0000444159, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 2026444159 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 28 Dwight St was $4,889 with a homeowner's exemption, up 6.6% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,889.00 (+6.61%) Homeowner's exemption | $90,670 Land $16,840 Building $73,830 | $272,010 Land $50,520 Building $221,490 |
| 2024 | $4,586.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $66,850 Land $15,460 Building $51,390 | $200,550 Land $46,380 Building $154,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Dwight St in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 28 Dwight St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: ClearWave, Wisper ISP.
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