300 Debra Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 300 Debra Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,120 sqft · built 1960
Lot Size	0.23 acres (9,808 sqft)
Owner	Individual Name on File
Last Sale	$131,500 (Jul 2020)
Tax Bill	$3,839 (2025)
Deeds & Mortgages	Aug 2023 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-450-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-450-005-000`
Alternative APN	`07251940200100 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	9,808 sqft (0.23 acres)
Garage Type	Mixed
Garage Area	336 sqft
Driveway	Concrete Driveway
Driveway Area	240 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	300 DEBRA LN
City	WATERLOO
State	IL
Zip	62298-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 17 LELAND TERRACE
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LELAND TERRACE
Legal Lot Number	17
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4011
Census Tract	600501

Owner

300 Debra Ln is owned and occupied by an individual who acquired it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	300 DEBRA LN, WATERLOO, IL 62298-1409
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Transfer on Death Deed, Transfer
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 15, 2020	Special Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on File
Deed Sale	Jul 15, 2020 · Amount on File
Deed Document Number	2020409424
Last Transfer Date	Aug 2, 2023
Transfer Doc	0000430004
Record Updated	Oct 29, 2026

August 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Aug 3, 2023
Property Address	300 DEBRA LN, WATERLOO, IL 62298-1409
Document Number	0000430004
Map Reference	MB 41 PG C
Instrument Date	Aug 2, 2023
Instrument	430004
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 DEBRA LN, WATERLOO, IL 62298-1409

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	300 DEBRA LN, WATERLOO, IL 62298-1409
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414477
Date	Jan 25, 2021
Instrument	414477

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 15, 2020
Property Address	300 DEBRA LN, WATERLOO, IL 62298-1409
Document Number	0000409424
Instrument Date	Jul 14, 2020
Instrument	409424
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 DEBRA LN, WATERLOO, IL 62298-1409

Mortgage

Document Number	0000409425
Date	Jul 15, 2020
Instrument	409425

Lender

Name	GUILD MORTGAGE CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.38%

Tax Assessment & Valuation

The 2025 property tax bill for 300 Debra Ln was $3,839, up 8.1% from the year before.

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	$3,839.00 (+8.08%) Homeowner's exemption	$68,680 Land $16,420 Building $52,260	$206,040 Land $49,260 Building $156,780
2024	$3,552.00
2022	Additional exemption filed	$51,950 (+6.56%) Land $15,170 Building $36,780	$155,850 (+6.56%) Land $45,510 Building $110,340
2021	Additional exemption filed	$48,750 Land $11,970 Building $36,780	$146,250 Land $35,910 Building $110,340

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

FEMA maps place 300 Debra Ln 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 300 Debra Ln 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.

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 475 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: Wisper ISP.

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