311 Lincoln St, Waterloo, IL 62298 Property Records

Monroe County property record for 311 Lincoln St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,074 sqft · built 1956
Lot Size	0.66 acres (28,661 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2022)
Tax Bill	$6,824 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-286-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-286-010-000`
Alternative APN	`07251220701000 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,074 sqft Living Area
1st Floor Area	2,074 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	28,661 sqft (0.66 acres)
Lot Dimensions	150 ft deep x 148 ft wide
Garage Area	552 sqft
Driveway	Concrete Driveway
Driveway Area	752 sqft
Porch	Slab
Porch Area	584 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	311 LINCOLN ST
City	WATERLOO
State	IL
Zip	62298-1614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 8, 9 & 10 & PART VACATED ALLEY BLK 3 WATERLOO HEIGHTS
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WATERLOO HEIGHTS
Legal Block	3
Legal Lot Number	8-10
Jurisdiction	MONROE IL
Township / Civil Division	19
Census Block Group	1
Census Block	1021
Census Tract	600401

Owner

311 Lincoln St is owned and occupied by two individuals who bought it in October 2022.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Joint Tenancy Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Aug 16, 2022	Quit Claim Deed, Transfer ACCENT TITLE
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Aug 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF EDWARDSVILLE
Apr 24, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE
Nov 6, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2022 · Amount on File
Deed Sale	Oct 11, 2022 · Amount on File
Prior Sale	Nov 6, 2018 · Amount on File
Deed Document Number	2022426457
Prior Transfer Date	Aug 15, 2022
Prior Transfer Doc	0000425666
Record Updated	Oct 29, 2026

October 2022: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	MONROE IL
Recording Date	Oct 11, 2022
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Document Number	0000426457
Map Reference	MB A PG 111
Instrument Date	Oct 7, 2022
Instrument	426457
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	714 EVANSVILLE AVE, 714, WATERLOO, IL 62298-1033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 LINCOLN ST, WATERLOO, IL 62298-1614

Mortgage

Document Number	0000426458
Date	Oct 11, 2022
Instrument	426458

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Aug 16, 2022
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Document Number	0000425666
Map Reference	MB 101 PG 437
Instrument Date	Aug 15, 2022
Instrument	425666
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 LINCOLN ST, WATERLOO, IL 62298-1614

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414932
Date	Feb 17, 2021
Instrument	414932

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409115
Date	Jun 30, 2020
Instrument	409115

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Document Number	0000403036
Instrument Date	Aug 5, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	GATEWAY R/E TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	311 LINCOLN ST WATERLOO IL 622981614, WATERLOO, IL 62298-1614

Mortgage

Document Number	0000403036
Date	Aug 16, 2019
Instrument	403036

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Document Number	0000401798
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	SOUTHERN IL R/E TITLE CTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	311 LINCOLN ST WATERLOO IL 622981614, WATERLOO, IL 62298-1614

Mortgage

Document Number	0000401798
Date	Jun 5, 2019
Instrument	401798

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	GRANITE CITY, IL 62040

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Nov 6, 2018
Property Address	311 LINCOLN ST, WATERLOO, IL 62298-1614
Document Number	0000398623
Instrument Date	Oct 29, 2018
Instrument	398623
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1309 FRANKLIN ST MAEYSTOWN IL 62298, MAEYSTOWN, IL 62298

Mortgage

Document Number	398624
Date	Nov 6, 2018
Instrument	398624

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 311 Lincoln St was $6,824, up 6.7% 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	$6,824.00 (+6.68%) Homeowner's exemption	$117,590 Land $19,290 Building $98,300	$352,770 Land $57,870 Building $294,900
2024	$6,397.00
2022	Disabled Person's exemption Veteran's exemption Additional exemption filed	$91,490 Land $16,940 Building $74,550	$274,470 Land $50,820 Building $223,650

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 311 Lincoln 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 311 Lincoln 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 242 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: Wisper ISP.

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