309 Flower St, Waterloo, IL 62298 Property Records

Monroe County property record for 309 Flower St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 810 sqft · built 1947
Lot Size	0.13 acres (5,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Jul 2026)
Tax Bill	$3,166 (2025)
Deeds & Mortgages	Jul 2026 Sale Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-024-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-024-000`
Alternative APN	`07250720100800 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	810 sqft Living Area
1st Floor Area	810 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Lot Area	5,715 sqft (0.13 acres)
Lot Dimensions	162 ft deep x 45 ft wide
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	309 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 LOTS 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

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

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	2 Individual Names on Record
Mailing Address	8000 MEADOWFIELD RD, WATERLOO, IL 62298-3269
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF BELLEVILLE
Aug 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF BELLEVILLE
May 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Deed Document Number	2026443620
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 23, 2026
Property Address	309 FLOWER ST, WATERLOO, IL 62298-1210
Document Number	0000443620
Instrument Date	Jul 23, 2026
Instrument	2026443620
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$18,180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8000 MEADOWFIELD RD, WATERLOO, IL 62298-3269

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	309 FLOWER ST, WATERLOO, IL 62298-1210
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425513
Date	Aug 4, 2022
Instrument	425513

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	309 FLOWER ST, WATERLOO, IL 62298-1210
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425515
Date	Aug 4, 2022
Instrument	425515

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	309 FLOWER ST, WATERLOO, IL 62298-1210
Document Number	0000390228
Instrument Date	May 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	716 S LIBRARY ST WATERLOO IL 622981439, WATERLOO, IL 62298-1439

Mortgage

Document Number	0000390228
Date	Jun 5, 2017
Instrument	390228

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2032

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	$3,166.00 (+2.66%)	$51,890 (+20.65%) Land $15,800 Building $36,090	$155,670 (+20.65%) Land $47,400 Building $108,270
2024	$3,084.00
2022		$43,010 Land $14,780 Building $28,230	$129,030 Land $44,340 Building $84,690

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
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 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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