Monroe County property record for 307 Independence Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,950 sqft · built 2017 |
| Lot Size | 0.81 acres (35,284 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,000 (Aug 2024) |
| Tax Bill | $7,270 (2024) |
| Deeds & Mortgages | Mar 2026 Construction Loan Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-201-131-000 |
| Primary APN | 07-26-201-131-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,950 sqft Living Area |
| 1st Floor Area | 1,950 sqft |
| Basement Area | 1,950 sqft |
| Unfinished Basement | 1,950 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 35,284 sqft (0.81 acres) |
| Garage Area | 860 sqft |
| Porch | Porch |
| Porch Area | 273 sqft |
| Cooling System | Central |
|---|
| Street Address | 307 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 131 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 131 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-26-201-131-000
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 | 921 SIMON DR, PLANO, TX 75025-2540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Construction Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Aug 01, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAT BRANCH MORTGAGE INC |
| Dec 20, 2017 | Deed, Subdivision Related Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC |
| Jun 05, 2017 | Warranty Deed, Construction Loan · Construction Mortgage CITIZENS CMNTY BK-FREEBURG N |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2024 · Amount on Record |
| Deed Sale | Aug 30, 2024 · Amount on Record |
| Prior Sale | Dec 20, 2017 · Amount on Record |
| Deed Document Number | 2024434406 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 307 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441863 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 441863 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 307 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425460 |
|---|---|
| Date | Aug 01, 2022 |
| Instrument | 425460 |
| Name | FLAT BRANCH MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 20, 2017 |
| Property Address | 307 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000393533 |
| Map Reference | DOC 308197 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 393533 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 307 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000393534 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 393534 |
| Name | FLAT BRANCH MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 05, 2017 |
| Property Address | 307 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000390226 |
| Instrument Date | Jun 02, 2017 |
| Instrument | 390226 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 13, 2020 |
| Title Company | ACN TITLE, ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $53.25 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 307 INDEPENDENCE AVE WATERLOO IL 622981290, WATERLOO, IL 62298-1290 |
| Investor | Possibly a Property Investor |
| Document Number | 390227 |
|---|---|
| Date | Jun 05, 2017 |
| Instrument | 390227 |
| Name | CITIZENS CMNTY BK-FREEBURG N |
|---|---|
| Type | Bank |
| Address | FREEBURG, IL 62243 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 04, 2018 |
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 | $137,520 (+6.74%) Land $20,460 Building $117,060 | $412,560 (+6.74%) Land $61,380 Building $351,180 | |
| 2024 | $7,270.00 | $128,833 (+19.58%) Land $19,379 Building $109,454 | $386,499 (+19.58%) Land $58,137 Building $328,362 |
| 2022 | Additional exemption filed | $107,740 Land $17,640 Building $90,100 | $323,220 Land $52,920 Building $270,300 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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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