Monroe County property record for 308 Debra Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,380 sqft · built 1967 |
| Lot Size | 0.23 acres (9,903 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,000 (May 2019) |
| Tax Bill | $3,987 (2024) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-450-001-000 |
| Primary APN | 07-25-450-001-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| 1st Floor Area | 1,380 sqft |
| Basement Area | 1,380 sqft |
| Unfinished Basement | 1,380 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,903 sqft (0.23 acres) |
| Garage Area | 450 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 280 sqft |
| Porch | Slab |
| Porch Area | 120 sqft |
| Patio Area | 121 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 308 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 13 LELAND TERRACE |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LELAND TERRACE |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 600501 |
Source: Monroe County records · APN 07-25-450-001-000
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 | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Aug 07, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Mar 07, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Feb 27, 2020 | Deed of Trust, Mortgage LAKEVIEW LN SERVICING |
| May 28, 2019 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on Record |
| Deed Sale | May 28, 2019 · Amount on Record |
| Deed Document Number | 2019401650 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000418566 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 418566 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Mar 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000402912 |
|---|---|
| Date | Aug 07, 2019 |
| Instrument | 402912 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000400238 |
|---|---|
| Date | Mar 07, 2019 |
| Instrument | 400238 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Document Number | 0000406712 |
| Instrument Date | Feb 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 308 DEBRA LN WATERLOO IL 622981409, WATERLOO, IL 62298-1409 |
| Document Number | 0000406712 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 406712 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 12, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 28, 2019 |
| Property Address | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Document Number | 0000401650 |
| Instrument Date | May 24, 2019 |
| Instrument | 401650 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $237.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 308 DEBRA LN, WATERLOO, IL 62298-1409 |
| Document Number | 0000401651 |
|---|---|
| Date | May 28, 2019 |
| Instrument | 401651 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
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 | $76,350 (+32.3%) Land $16,440 Building $59,910 | $229,050 (+32.3%) Land $49,320 Building $179,730 | |
| 2024 | $3,987.00 | ||
| 2022 | Additional exemption filed | $57,710 Land $15,180 Building $42,530 | $173,130 Land $45,540 Building $127,590 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 475 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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