313 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 313 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,140 sqft · built 1870
Lot Size	0.18 acres (7,771 sqft)
Owner	Individual Name on File
Last Sale	$119,000 (Apr 2018)
Tax Bill	$3,213 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-253-016-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-253-016-000`
Alternative APN	`07251120700600 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,140 sqft Building Perimeter
1st Floor Area	600 sqft
Upper Floors Area	540 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,771 sqft (0.18 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	489 sqft
Deck Area	369 sqft
Patio Area	369 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	313 PARK ST
City	WATERLOO
State	IL
Zip	62298-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 21 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	21
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3066
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 assessment roll, as of August 29, 2025

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

Owner of Record	Individual Name on File
Mailing Address	313 PARK ST, WATERLOO, IL 62298-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Jan 7, 2020	Quit Claim Deed, Transfer ENDEAVOR CAP
Apr 24, 2018	Warranty Deed, Transfer ENDEAVOR CAP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	2018395457
Last Transfer Date	Dec 19, 2019
Transfer Doc	0000405535
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	313 PARK ST, WATERLOO, IL 62298-1307
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441171
Date	Feb 6, 2026
Instrument	441171

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 5, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 7, 2020
Property Address	313 PARK ST, WATERLOO, IL 62298-1307
Document Number	0000405535
Instrument Date	Dec 19, 2019
Instrument	405535
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 PARK ST WATERLOO IL 622981307, WATERLOO, IL 62298-1307

Mortgage

Document Number	405536
Date	Jan 7, 2020
Instrument	405536

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 24, 2018
Property Address	313 PARK ST, WATERLOO, IL 62298-1307
Document Number	0000395457
Instrument Date	Apr 23, 2018
Instrument	395457
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	INTEGRITY TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$178.50
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 PARK ST WATERLOO IL 622981307, WATERLOO, IL 62298-1307

Mortgage

Document Number	395458
Date	Apr 24, 2018
Instrument	395458

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

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		$62,020 (+16.6%) Land $16,090 Building $45,930	$186,060 (+16.6%) Land $48,270 Building $137,790
2024	$3,213.00
2022	Additional exemption filed	$53,190 Land $14,980 Building $38,210	$159,570 Land $44,940 Building $114,630

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

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
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

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