Monroe County property record for 312 W 4th St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,352 sqft · built 1899 |
| Lot Size | 0.21 acres (9,267 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $273,000 (Nov 2022) |
| Tax Bill | $4,828 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-253-007-000 |
| Primary APN | 07-25-253-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Building Perimeter |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1899 |
|---|---|
| Effective Year Built | Effective 1899 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 9,267 sqft (0.21 acres) |
| Lot Dimensions | 155 ft deep x 60 ft wide |
| Garage Area | 720 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 152 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 398 sqft |
| Patio Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 312 W 4TH ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 5A MARTINS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | MARTINS ADD |
| Legal Lot Number | 5A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3067 |
| 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.
312 W 4th St is owned and occupied by two individuals who bought it in November 2022.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 W 4TH ST, WATERLOO, IL 62298-1337 |
| 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 18, 2022 | Deed, Transfer · Conventional Mortgage FLAT BRANCH MORTGAGE INC |
| Sep 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2022 · Amount on File |
| Deed Sale | Nov 18, 2022 · Amount on File |
| Deed Document Number | 2022427029 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 18, 2022 |
| Property Address | 312 W 4TH ST, WATERLOO, IL 62298-1337 |
| Document Number | 0000427029 |
| Map Reference | MB 27 PG 123 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 427029 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $409.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 613 JAMES ST, 613, WATERLOO, IL 62298-1038 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 312 W 4TH ST, WATERLOO, IL 62298-1337 |
| Document Number | 0000427030 |
|---|---|
| Date | Nov 18, 2022 |
| Instrument | 427030 |
| Name | FLAT BRANCH MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 312 W 4TH ST, WATERLOO, IL 62298-1337 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000426253 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 426253 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 17, 2023 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.29% |
The 2025 property tax bill for 312 W 4th St was $4,828, up 14.3% 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 | $4,828.00 (+14.27%) Homeowner's exemption | $84,880 (+9.69%) Land $16,340 Building $68,540 | $254,640 (+9.69%) Land $49,020 Building $205,620 |
| 2024 | $4,225.00 | $77,380 Land $16,042 Building $61,338 | $232,140 Land $48,126 Building $184,014 |
| 2022 | Additional exemption filed | $72,510 Land $15,130 Building $57,380 | $217,530 Land $45,390 Building $172,140 |
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 312 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 312 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.
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