303 W 4th St, Waterloo, IL 62298 Property Records

Monroe County property record for 303 W 4th St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,000 sqft · built 1959
Lot Size	0.261 acres (2,771 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Aug 2023)
Tax Bill	$2,922 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-251-030-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-251-030-000`
Alternative APN	`07251120601300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	2,771 sqft (0.261 acres)
Lot Dimensions	52 ft deep x 55 ft wide
Patio Area	126 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	303 W 4TH ST
City	WATERLOO
State	IL
Zip	62298-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 25C MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	25C
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3060
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

303 W 4th St is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	303 W 4TH ST, WATERLOO, IL 62298-1338
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 18, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 4, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST NATIONAL BANK WATERLOO
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Jun 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FCB BANKS
Jun 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS HSNG DEV AUTHORITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2023 · Amount on File
Deed Sale	Aug 18, 2023 · Amount on File
Prior Sale	Jun 17, 2019 · Amount on File
Deed Document Number	2023430184
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 18, 2023
Property Address	303 W 4TH ST, WATERLOO, IL 62298-1338
Document Number	0000430184
Map Reference	MB A PG 6
Instrument Date	Aug 17, 2023
Instrument	430184
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 W 4TH ST, WATERLOO, IL 62298-1338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 W 4TH ST, WATERLOO, IL 62298-1338

Mortgage

Document Number	0000430185
Date	Aug 18, 2023
Instrument	430185

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.48%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	303 W 4TH ST, WATERLOO, IL 62298-1338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000387690
Date	Jan 4, 2017
Instrument	387690

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	336 Months
Due	Sep 1, 2044

Interest

Rate Type	Fixed Rate
Rate	4.12%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	303 W 4TH ST, WATERLOO, IL 62298-1338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405029
Date	Dec 3, 2019
Instrument	405029

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 17, 2019
Property Address	303 W 4TH ST, WATERLOO, IL 62298-1338
Document Number	0000401965
Instrument Date	Jun 14, 2019
Instrument	401965
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	$171.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 W 4TH ST, WATERLOO, IL 62298-1338

Mortgage

Document Number	0000401966
Date	Jun 17, 2019
Instrument	401966

Lender

Name	FCB BANKS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	5.13%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	303 W 4TH ST, WATERLOO, IL 62298-1338
Document Number	0000405030
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	303 W 4TH ST WATERLOO IL 622981338, WATERLOO, IL 62298-1338

Mortgage

Document Number	0000405030
Date	Dec 3, 2019
Instrument	405030

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 303 W 4th St was $2,922, up 7.4% 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	$2,922.00 (+7.39%) Homeowner's exemption	$53,640 (+3.21%) Land $15,340 Building $38,300	$160,920 (+3.21%) Land $46,020 Building $114,900
2024	$2,721.00	$51,970 Land $15,218 Building $36,752	$155,910 Land $45,654 Building $110,256
2022	Additional exemption filed	$42,270 (+18.8%) Land $14,510 Building $27,760	$126,810 (+18.8%) Land $43,530 Building $83,280
2021	Additional exemption filed	$35,580 Land $5,990 Building $29,590	$106,740 Land $17,970 Building $88,770

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 303 W 4th St in Zone X, an area of minimal flood risk.

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

The area around 303 W 4th St 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 458 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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