Monroe County property record for 28 Station W, Waterloo, IL 62298
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 640 sqft · built 1984 |
| Owner | 2 Individual Names on File |
| Tax Bill | $785 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-317-023-128 |
| Primary APN | 07-25-317-023-128 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 640 sqft Living Area |
| 1st Floor Area | 640 sqft |
| Basement Area | 640 sqft |
| Unfinished Basement | 640 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Condo/Apartment |
| Porch | Porch |
| Porch Area | 240 sqft |
| Street Address | 28 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 103 UNIT 28 SUNSET ACRES 3RD ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | SUNSET ACRES |
| Legal Lot Number | 103 |
| Legal Unit | 28 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 27 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 600501 |
28 Station W, a condominium, 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 STATION W, WATERLOO, IL 62298-1827 |
| 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 |
| Property Address | 28 STATION W, WATERLOO, IL 62298-1827 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425111 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | 425111 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 28 Station W was $785 with exemptions applied, down 1.1% 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 | $785.00 (-1.13%) Homeowner's exemption Senior Citizen's exemption | $49,340 Land $3,330 Building $46,010 | $148,020 Land $9,990 Building $138,030 |
| 2024 | $794.00 | ||
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $41,130 Land $2,940 Building $38,190 | $123,390 Land $8,820 Building $114,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Station W in Zone X, an area of minimal flood risk, though there have been 8 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 Claims | 8 (1993) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Aug 1993 · Severe Storms & 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.
Wildfire risk around 28 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.
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 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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