Monroe County property record for 309 W 4th St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,404 sqft · built 1894 |
| Lot Size | 0.32 acres (13,954 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jul 2024) |
| Tax Bill | $4,450 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-251-025-000 |
| Primary APN | 07-25-251-025-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,404 sqft Building Perimeter |
| 1st Floor Area | 1,024 sqft |
| Upper Floors Area | 380 sqft |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 13,954 sqft (0.32 acres) |
| Lot Dimensions | 155 ft deep x 93 ft wide |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 214 sqft |
| Shed | 1 Shed |
| Shed Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 309 W 4TH ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOTS 14 W/2 LOT 13 MARTINS ADDN 0171825 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | MARTINS ADD |
| Legal Lot Number | 14 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 600401 |
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.
309 W 4th St is owned and occupied by an individual who bought it in July 2024.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 309 W 4TH ST, WATERLOO, IL 62298-1338 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2024 · Amount on File |
| Deed Sale | Jul 18, 2024 · Amount on File |
| Deed Document Number | 2024433900 |
| Prior Transfer Date | Nov 14, 2019 |
| Prior Transfer Doc | 0000404838 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 309 W 4TH ST, WATERLOO, IL 62298-1338 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000420942 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 420942 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 309 W 4TH ST, WATERLOO, IL 62298-1338 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000415774 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 415774 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 309 W 4th St was $4,450, up 135.8% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,450.00 (+135.82%) Homeowner's exemption Senior Citizen's exemption | $78,680 Land $17,150 Building $61,530 | $236,040 Land $51,450 Building $184,590 |
| 2024 | $1,887.00 | ||
| 2022 | $2,047.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $67,250 Land $15,620 Building $51,630 | $201,750 Land $46,860 Building $154,890 |
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.
FEMA maps place 309 W 4th 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.
The area around 309 W 4th 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures