313 N Moore St, Waterloo, IL 62298 Property Records

Monroe County property record for 313 N Moore St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1968
Lot Size	0.09 acres (3,774 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Nov 2019)
Tax Bill	$3,000 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-25-133-025-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-133-025-000`
Alternative APN	`07250610201500 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Frame
Lot Area	3,774 sqft (0.09 acres)
Lot Dimensions	75 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	313 N MOORE ST
City	WATERLOO
State	IL
Zip	62298-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	E/2 LOT 7 GEORGE C GAUENS 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	GEORGE C GAUENS FIRST ADD
Legal Lot Number	7
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3029
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 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 Record
Mailing Address	313 N MOORE ST, WATERLOO, IL 62298-1128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
May 20, 2019	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Deed Document Number	2019404682
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 12, 2019
Property Address	313 N MOORE ST, WATERLOO, IL 62298-1128
Document Number	0000404682
Instrument Date	Nov 8, 2019
Instrument	404682
Transaction Type	Transfer
Record Updated	Nov 28, 2019
Title Company	MADISON COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
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	313 N MOORE ST WATERLOO IL 622981128, WATERLOO, IL 62298-1128

Mortgage

Document Number	404683
Date	Nov 12, 2019
Instrument	404683

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	313 N MOORE ST, WATERLOO, IL 62298-1128
Document Number	0000401948
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 N MOORE ST WATERLOO IL 622981128, WATERLOO, IL 62298-1128

Mortgage

Document Number	0000401948
Date	Jun 14, 2019
Instrument	401948

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 13, 2029

Interest

Rate Type	Adjustable Rate
Rate	6.1%

Tax Assessment & Valuation

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	$3,000.00 (+7.95%) Homeowner's exemption	$54,930 (+26.95%) Land $15,480 Building $39,450	$164,790 (+26.95%) Land $46,440 Building $118,350
2024	$2,779.00
2022	Additional exemption filed	$43,270 Land $14,590 Building $28,680	$129,810 Land $43,770 Building $86,040

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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