Monroe County property record for 309 Thomas Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,348 sqft · built 1999 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Jun 2017) |
| Tax Bill | $8,131 (2024) |
| Deeds & Mortgages | Feb 2021 Construction Loan Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-14-234-019-000 |
| Primary APN | 07-14-234-019-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,348 sqft Living Area |
| 1st Floor Area | 2,348 sqft |
| Basement Area | 2,348 sqft |
| Unfinished Basement | 2,348 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 33,106 sqft (0.76 acres) |
| Garage Area | 720 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 3,494 sqft |
| Porch | Slab |
| Porch Area | 42 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 309 THOMAS LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5562 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 45 STERRITTS RUN 1ST ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 14 |
| Legal Subdivision | STERRITT'S RUN |
| Legal Lot Number | 45 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-14-234-019-000
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 | 309 THOMAS LN, WATERLOO, IL 62298-5562 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 09, 2021 | Deed of Trust, Mortgage · Construction Mortgage BUSEY BANK |
| Jun 23, 2017 | Grant Deed, Transfer · Conventional Mortgage BANK OF EDWARDSVILLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 2017 · Amount on Record |
| Deed Sale | Jun 23, 2017 · Amount on Record |
| Deed Document Number | 2017390551 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 309 THOMAS LN, WATERLOO, IL 62298-5562 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000414818 |
|---|---|
| Date | Feb 09, 2021 |
| Instrument | 414818 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 23, 2017 |
| Property Address | 309 THOMAS LN, WATERLOO, IL 62298-5562 |
| Document Number | 0000390551 |
| Instrument Date | Jun 06, 2017 |
| Instrument | 390551 |
| Transaction Type | Transfer |
| Record Updated | Jul 05, 2017 |
| Title Company | MON CLAIR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 217 HICKORY RDG BELLEVILLE IL 622233443, BELLEVILLE, IL 62223-3443 |
| Document Number | 390552 |
|---|---|
| Date | Jun 23, 2017 |
| Instrument | 390552 |
| Name | BANK OF EDWARDSVILLE |
|---|---|
| Type | Bank |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2047 |
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 | $149,190 (+31.91%) Land $20,080 Building $129,110 | $447,570 (+31.91%) Land $60,240 Building $387,330 | |
| 2024 | $8,131.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $113,100 Land $17,440 Building $95,660 | $339,300 Land $52,320 Building $286,980 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019, river or lake flooding, Severe Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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