303 Adams Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 303 Adams Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,505 sqft · built 1977
Lot Size	0.25 acres (10,813 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,745 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`08-19-352-008-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-352-008-000`
Alternative APN	`08191710401400 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,505 sqft
Basement Area	1,505 sqft
Unfinished Basement	1,505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	10,813 sqft (0.25 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Area	462 sqft
Driveway	Asphalt Driveway
Driveway Area	819 sqft
Porch	Slab
Porch Area	104 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	303 ADAMS DR
City	WATERLOO
State	IL
Zip	62298-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 49 EAST RIDGE 3 0192811
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	49
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1008
Census Tract	600401

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	303 ADAMS DR, WATERLOO, IL 62298-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO
Apr 1, 2019	Loan Modification, Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	303 ADAMS DR, WATERLOO, IL 62298-1502
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422502
Date	Feb 4, 2022
Instrument	422502

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

Interest

Rate Type	Fixed Rate

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	303 ADAMS DR, WATERLOO, IL 62298-1502
Document Number	0000401369
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Jun 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 ADAMS DR WATERLOO IL 622981502, WATERLOO, IL 62298-1502

Mortgage

Document Number	0000401369
Date	May 10, 2019
Instrument	401369

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	MASCOUTAH, IL 62258

Agreement

Term	60 Months
Due	May 9, 2024

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	$4,745.00 (+11.65%) Homeowner's exemption	$83,520 (+15.14%) Land $16,540 Building $66,980	$250,560 (+15.14%) Land $49,620 Building $200,940
2024	$4,250.00
2022	Additional exemption filed	$72,540 Land $15,260 Building $57,280	$217,620 Land $45,780 Building $171,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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.

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 269 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: ClearWave, Wisper ISP.

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