309 Park St, Waterloo, IL 62298 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,472 sqft · built 1919
Lot Size	0.21 acres (9,336 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jul 2019)
Tax Bill	$4,785 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-25-253-018-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-253-018-000`
Alternative APN	`07251120700800 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,472 sqft Building Perimeter
1st Floor Area	1,472 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	9,336 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	309 PARK ST
City	WATERLOO
State	IL
Zip	62298-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 15B & 16A MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	15B,16A
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3066
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

309 Park St is owned and occupied by an individual who bought it in July 2019.

Source: Monroe County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	309 PARK ST, WATERLOO, IL 62298-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jul 9, 2019	Warranty Deed, Transfer · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2019 · Amount on File
Deed Sale	Jul 9, 2019 · Amount on File
Deed Document Number	2019402356
Prior Transfer Date	Jul 3, 2019
Prior Transfer Doc	0000402356
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	309 PARK ST, WATERLOO, IL 62298-1307
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417135
Date	May 13, 2021
Instrument	417135

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 9, 2019
Property Address	309 PARK ST, WATERLOO, IL 62298-1307
Document Number	0000402356
Instrument Date	Jul 3, 2019
Instrument	402356
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 PARK ST WATERLOO IL 622981307, WATERLOO, IL 62298-1307

Mortgage

Document Number	402357
Date	Jul 9, 2019
Instrument	402357

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.19%

Mortgage

Document Number	402358,
Date	Jul 9, 2019
Instrument	402358

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 8, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 309 Park St was $4,785, up 6.6% from the year before.

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	$4,785.00 (+6.57%)	$78,420 Land $16,340 Building $62,080	$235,260 Land $49,020 Building $186,240
2024	$4,490.00
2022		$66,330 Land $15,130 Building $51,200	$198,990 Land $45,390 Building $153,600

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

FEMA maps place 309 Park 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.

Wildfire

The area around 309 Park 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.

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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