304 Debra Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 304 Debra Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 988 sqft · built 1986
Lot Size	0.16 acres (7,025 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (May 2021)
Tax Bill	$3,388 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-450-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-450-003-000`
Alternative APN	`07251940200300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	988 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	7,025 sqft (0.16 acres)
Garage Area	476 sqft
Driveway	Concrete Driveway
Driveway Area	330 sqft
Porch	Slab
Porch Area	85 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	304 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 15 LELAND TERRACE
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LELAND TERRACE
Legal Lot Number	15
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4011
Census Tract	600501

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	Individual Name on Record
Mailing Address	304 DEBRA LN, WATERLOO, IL 62298-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY BANK
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Oct 25, 2019	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Prior Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	2021416821
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 3, 2021
Property Address	304 DEBRA LN, WATERLOO, IL 62298-1409
Document Number	0000416821
Instrument Date	Apr 30, 2021
Instrument	416821
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 DEBRA LN, WATERLOO, IL 62298-1409

Mortgage

Document Number	0000416822
Date	May 3, 2021
Instrument	416822

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	304 DEBRA LN, WATERLOO, IL 62298-1409
Document Number	0000404367
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 DEBRA LN WATERLOO IL 622981409, WATERLOO, IL 62298-1409

Mortgage

Document Number	0000404367
Date	Oct 25, 2019
Instrument	404367

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Interest

Rate Type	Fixed Rate
Rate	3.25%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 25, 2019
Property Address	304 DEBRA LN, WATERLOO, IL 62298-1409
Document Number	0000404366
Instrument Date	Oct 25, 2019
Instrument	404366
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	MON-CLAIR TITLE COMPANY, MON-CLAIR TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$193.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 N LIBRARY ST WATERLOO IL 622981124, WATERLOO, IL 62298-1124

Mortgage

Document Number	404367
Date	Oct 25, 2019
Instrument	404367

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$3,388.00 Homeowner's exemption	$61,280 (+23.23%) Land $16,000 Building $45,280	$183,840 (+23.23%) Land $48,000 Building $135,840
2024	$3,388.00
2022	Additional exemption filed	$49,730 Land $14,920 Building $34,810	$149,190 Land $44,760 Building $104,430

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

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

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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