Monroe County property record for 315 Independence Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,794 sqft · built 2017 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $401,000 (Jun 2025) |
| Tax Bill | $7,827 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Nov 2017 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-201-129-000 |
| Primary APN | 07-26-201-129-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,794 sqft Living Area |
| 1st Floor Area | 1,794 sqft |
| Basement Area | 1,794 sqft |
| Unfinished Basement | 1,794 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Area | 816 sqft |
| Porch | Porch |
| Porch Area | 312 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|
| Street Address | 315 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1290 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 129 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 129 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
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 | 1400 OAK TREE CT, WATERLOO, IL 62298-2769 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BUENA VISTA NATIONAL BANK |
| Nov 15, 2017 | Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| May 2, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage FIRST CNTY BK |
| Mar 31, 2017 | Grant Deed, Transfer ACCENT TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2025 · Amount on Record |
| Deed Sale | Jun 6, 2025 · Amount on Record |
| Prior Sale | Nov 15, 2017 · Amount on Record |
| Deed Document Number | 2025437910 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 315 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000422222 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 422222 |
| Name | BUENA VISTA NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 15, 2017 |
| Property Address | 315 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000392954 |
| Map Reference | PE2-222ADOCNO308197 |
| Instrument Date | Nov 13, 2017 |
| Instrument | 392954 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 315 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000392955 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 392955 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 2, 2017 |
| Property Address | 315 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Instrument Date | Apr 25, 2017 |
| Instrument | 389571 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 20, 2018 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 S COMMERCIAL ST ALBERS IL 622151395, ALBERS, IL 62215-1395 |
| Investor | Possibly a Property Investor |
| Document Number | 0000389571 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 389571 |
| Name | FIRST CNTY BK |
|---|---|
| Type | Bank |
| Address | NEW BADEN, IL 62265 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 31, 2017 |
| Property Address | 315 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000389042 |
| Instrument Date | Mar 10, 2015 |
| Instrument | 389042 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2017 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $39.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 S COMMERCIAL ST ALBERS IL 622151395, ALBERS, IL 62215-1395 |
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 | $7,827.00 (+10.13%) Homeowner's exemption | $134,030 (+26.73%) Land $17,550 Building $116,480 | $402,090 (+26.73%) Land $52,650 Building $349,440 |
| 2024 | $7,107.00 | ||
| 2022 | Additional exemption filed | $105,760 Land $15,860 Building $89,900 | $317,280 Land $47,580 Building $269,700 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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