310 W 3rd St, Waterloo, IL 62298 Property Records

Monroe County property record for 310 W 3rd St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,280 sqft · built 1914
Lot Size	0.14 acres (6,147 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (May 2023)
Tax Bill	$3,293 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-251-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-251-010-000`
Alternative APN	`07251120602200 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,280 sqft Building Perimeter
1st Floor Area	1,280 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Construction Type	Frame
Lot Area	6,147 sqft (0.14 acres)
Lot Dimensions	155 ft deep x 41 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	310 W 3RD ST
City	WATERLOO
State	IL
Zip	62298-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	W PART LOT 8 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	8
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3056
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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	310 W 3RD ST, WATERLOO, IL 62298-1355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Record Updated	Sep 20, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	May 24, 2023
Property Address	310 W 3RD ST, WATERLOO, IL 62298-1355
Document Number	0000429123
Map Reference	MB A PG 6
Instrument Date	May 22, 2023
Instrument	429123
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	908 JAMES ST, WATERLOO, IL 62298-1064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 W 3RD ST, WATERLOO, IL 62298-1355

Mortgage

Document Number	0000429124
Date	May 24, 2023
Instrument	429124

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.88%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$63,610 (+17.36%) Land $15,890 Building $47,720	$190,830 (+17.36%) Land $47,670 Building $143,160
2024	$3,293.00
2022		$54,200 Land $14,850 Building $39,350	$162,600 Land $44,550 Building $118,050

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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