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301 Thomas Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 301 Thomas Ln, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,502 sqft · built 1996
Lot Size0.94 acres (40,946 sqft)
Owner2 Individual Names on Record
Last Sale$464,000 (Aug 2024)
Tax Bill$9,331 (2025)
Deeds & MortgagesJun 2020 Construction Loan
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN07-14-234-018-000

Property Details

APN / Parcel Number

Primary APN07-14-234-018-000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area2,502 sqft Living Area
1st Floor Area2,502 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Foundation TypeRaised
Lot Area40,946 sqft (0.94 acres)
Garage Area768 sqft
DrivewayAsphalt Driveway
Driveway Area1,572 sqft
PorchSlab
Porch Area410 sqft
Patio Area176 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address301 THOMAS LN
CityWATERLOO
StateIL
Zip62298-5562
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR1
Legal DescriptionLOT 44 STERRITTS RUN 1ST ADDN
Legal Range10W
Legal Township02S
Legal Section14
Legal SubdivisionSTERRITT'S RUN
Legal Lot Number44
JurisdictionMONROE IL
Township / Civil Division30
Census Block Group2
Census Block2054
Census Tract600402

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 Record2 Individual Names on Record
Mailing Address301 THOMAS LN, WATERLOO, IL 62298-5562
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 5, 2020Deed of Trust, Mortgage · Construction Mortgage
MAGNOLIA BANK INC
Jul 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 20, 2024 · Amount on Record
Deed SaleAug 20, 2024 · Amount on Record
Deed Document Number2024434296
Record UpdatedOct 29, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address301 THOMAS LN, WATERLOO, IL 62298-5562
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000408481
DateJun 5, 2020
Instrument408481
Lender
NameMAGNOLIA BANK INC
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2050
Interest
Rate TypeFixed Rate

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address301 THOMAS LN, WATERLOO, IL 62298-5562
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000409700
DateJul 24, 2020
Instrument409700
Lender
NameFIRST NATIONAL BANK WATERLOO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,331.00 (+7.41%) Homeowner's exemption$158,680 (+31.49%) Land $21,430 Building $137,250$476,040 (+31.49%) Land $64,290 Building $411,750
2024$8,687.00
2022Homeowner's exemption Additional exemption filed$120,680 Land $18,150 Building $102,530$362,040 Land $54,450 Building $307,590

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims263 (1993–2019)
Most Recent ClaimJun 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 RiskNot 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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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 134 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Harrisonville Telephone Company
Fiber · DSL		1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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