3 Dwight St, Waterloo, IL 62298 Property Records

Monroe County property record for 3 Dwight St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,220 sqft · built 1966
Lot Size	0.31 acres (13,532 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,000 (Dec 2020)
Tax Bill	$4,193 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-13-149-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-13-149-011-000`
Alternative APN	`07131030800100 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	13,532 sqft (0.31 acres)
Garage Area	780 sqft
Driveway	Concrete Driveway
Driveway Area	624 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3 DWIGHT ST
City	WATERLOO
State	IL
Zip	62298-5539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 87 LOU DEL 4TH ADDN
Legal Range	10W
Legal Township	02S
Legal Section	13
Legal Subdivision	LOU DEL
Legal Lot Number	87
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2060
Census Tract	600402

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	3 DWIGHT ST, WATERLOO, IL 62298-5539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Dec 30, 2020	Executor's Deed, Transfer · FHA Mortgage DAS ACQUISITION CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	2020413854
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3 DWIGHT ST, WATERLOO, IL 62298-5539
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428789
Date	Apr 28, 2023
Instrument	428789

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 27, 2048

December 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MONROE IL
Recording Date	Dec 30, 2020
Property Address	3 DWIGHT ST, WATERLOO, IL 62298-5539
Document Number	0000413854
Map Reference	MB C PG 39
Instrument Date	Dec 29, 2020
Instrument	413854
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 DWIGHT ST, WATERLOO, IL 62298-5539

Mortgage

Document Number	0000413855
Date	Dec 30, 2020
Instrument	413855

Lender

Name	DAS ACQUISITION CO LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	3.13%

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	$4,193.00 (+8.37%) Homeowner's exemption	$74,470 (+33.51%) Land $17,080 Building $57,390	$223,410 (+33.51%) Land $51,240 Building $172,170
2024	$3,869.00
2022	Additional exemption filed	$55,780 Land $15,590 Building $40,190	$167,340 Land $46,770 Building $120,570

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 · 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	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 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

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 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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