313 W 4th St, Waterloo, IL 62298 Property Records

Monroe County property record for 313 W 4th St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 954 sqft · built 1880
Lot Size	0.21 acres (9,304 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Apr 2018)
Tax Bill	$3,211 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-251-024-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-251-024-000`
Alternative APN	`07251120600900 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	954 sqft Living Area
1st Floor Area	954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	9,304 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 62 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	78 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	313 W 4TH ST
City	WATERLOO
State	IL
Zip	62298-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 15 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTIN'S ADDITION
Legal Lot Number	15
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3060
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 October 13, 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	313 W 4TH ST, WATERLOO, IL 62298-1338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Deed Document Number	2018395221
Record Updated	Oct 29, 2026

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 10, 2018
Property Address	313 W 4TH ST, WATERLOO, IL 62298-1338
Document Number	0000395221
Instrument Date	Apr 9, 2018
Instrument	395221
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 W 4TH ST, WATERLOO, IL 62298-1338

Mortgage

Document Number	0000395222
Date	Apr 10, 2018
Instrument	395222

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$3,211.00 (+7.43%) Homeowner's exemption	$58,390 (+17.53%) Land $16,400 Building $41,990	$175,170 (+17.53%) Land $49,200 Building $125,970
2024	$2,989.00
2022	Additional exemption filed	$49,680 Land $15,150 Building $34,530	$149,040 Land $45,450 Building $103,590

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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