Monroe County property record for 305 Flower St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 870 sqft · built 1947 |
| Lot Size | 0.16 acres (6,951 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,394 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-201-026-000 |
| Primary APN | 07-25-201-026-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 870 sqft Living Area |
| 1st Floor Area | 870 sqft |
| Basement Area | 870 sqft |
| Unfinished Basement | 870 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Frame |
| Lot Area | 6,951 sqft (0.16 acres) |
| Lot Dimensions | 162 ft deep x 55 ft wide |
| Garage Type | Mixed |
| Garage Area | 288 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 234 sqft |
| Deck Area | 184 sqft |
| Patio Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 305 FLOWER ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | PART LOT 9, 10 & 11 NEEDLE & GALLS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | NEEDLE & GALLS ADD |
| Legal Lot Number | 9-11 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 600401 |
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.
305 Flower St is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 FLOWER ST, WATERLOO, IL 62298-1210 |
| 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.
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 305 FLOWER ST, WATERLOO, IL 62298-1210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425606 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 425606 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 14, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 305 FLOWER ST, WATERLOO, IL 62298-1210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000413796 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 413796 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 4, 2035 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 305 Flower St was $3,394, up 2.7% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,394.00 (+2.66%) Homeowner's exemption | $61,380 Land $15,980 Building $45,400 | $184,140 Land $47,940 Building $136,200 |
| 2024 | $3,306.00 | ||
| 2022 | Additional exemption filed | $51,280 Land $14,900 Building $36,380 | $153,840 Land $44,700 Building $109,140 |
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.
FEMA maps place 305 Flower 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.
The area around 305 Flower 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.
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 |
| 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.
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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