Monroe County property record for 303 Independence Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,102 sqft · built 2014 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jul 2017) |
| Tax Bill | $7,649 (2024) |
| Deeds & Mortgages | Jan 2021 Construction Loan Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-201-132-000 |
| Primary APN | 07-26-201-132-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,102 sqft Living Area |
| 1st Floor Area | 2,102 sqft |
| Basement Area | 2,102 sqft |
| Unfinished Basement | 2,102 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 34,848 sqft (0.8 acres) |
| Garage Area | 552 sqft |
| Porch | Porch |
| Porch Area | 78 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|
| Street Address | 303 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1290 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 132 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 132 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-26-201-132-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 303 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2021 | Deed of Trust, Mortgage · Construction Mortgage SCOTT CU |
| Mar 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Jul 03, 2017 | Grant Deed, Transfer · Conventional Mortgage SCOTT CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 03, 2017 · Amount on Record |
| Deed Sale | Jul 03, 2017 · Amount on Record |
| Deed Document Number | 2017390710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 303 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414197 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 414197 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 01, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 303 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000394990 |
| Instrument Date | Mar 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 303 INDEPENDENCE AVE WATERLOO IL 622981290, WATERLOO, IL 62298-1290 |
| Document Number | 0000394990 |
|---|---|
| Date | Mar 23, 2018 |
| Instrument | 394990 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 22, 2033 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 03, 2017 |
| Property Address | 303 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000390710 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 390710 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 303 INDEPENDENCE AVE WATERLOO IL 622981290, WATERLOO, IL 62298-1290 |
| Document Number | 390711 |
|---|---|
| Date | Jul 03, 2017 |
| Instrument | 390711 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 02, 2047 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $143,290 (+25.88%) Land $20,440 Building $122,850 | $429,870 (+25.88%) Land $61,320 Building $368,550 | |
| 2024 | $7,649.00 | ||
| 2022 | Additional exemption filed | $113,830 Land $17,660 Building $96,170 | $341,490 Land $52,980 Building $288,510 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| HTC Holding Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 68 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL1330300, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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