Monroe County property record for 315 Flower St, Waterloo, IL 62298
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,088 sqft · built 1886 |
| Lot Size | 0.17 acres (7,241 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,844 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-201-021-000 |
| Primary APN | 07-25-201-021-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 7,241 sqft (0.17 acres) |
| Lot Dimensions | 138 ft deep x 39 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 315 FLOWER ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | WR3 |
| Legal Description | LOT 14A WEST OUTLOTS |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Lot Number | 14A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3040 |
| 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.
315 Flower St, a duplex, is owned and occupied by an individual.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 315 FLOWER ST, WATERLOO, IL 62298 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 315 FLOWER ST, WATERLOO, IL 62298 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000398655 |
|---|---|
| Date | Nov 7, 2018 |
| Instrument | 398655 |
| Name | INOVA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 30, 2033 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 315 Flower St was $2,844 with a homeowner's exemption, up 8.4% 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 | $2,844.00 (+8.43%) Homeowner's exemption | $57,160 Land $16,060 Building $41,100 | $171,480 Land $48,180 Building $123,300 |
| 2024 | $2,623.00 | ||
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $48,670 Land $14,940 Building $33,730 | $146,010 Land $44,820 Building $101,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Flower 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 315 Flower 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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