318 W 3rd St, Waterloo, IL 62298 Property Records

Monroe County property record for 318 W 3rd St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,224 sqft · built 1900
Lot Size	0.21 acres (9,260 sqft)
Owner	Individual Name on Record
Last Sale	$195,500 (Jun 2020)
Tax Bill	$4,211 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-251-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-251-007-000`
Alternative APN	`07251120602400 00`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	1,224 sqft Building Perimeter
1st Floor Area	1,224 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	9,260 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 63 ft wide
Porch	Slab
Porch Area	114 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	318 W 3RD ST
City	WATERLOO
State	IL
Zip	62298-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 11 & PART 10 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTIN'S ADDITION
Legal Lot Number	11
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3056
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	318 W 3RD ST, WATERLOO, IL 62298-1355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO
Feb 9, 2018	Deed, Transfer · FHA Mortgage TOWN & COUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2020 · Amount on Record
Deed Sale	Jun 8, 2020 · Amount on Record
Prior Sale	Feb 9, 2018 · Amount on Record
Deed Document Number	2020408514
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 8, 2020
Property Address	318 W 3RD ST, WATERLOO, IL 62298-1355
Document Number	0000408514
Instrument Date	Jun 8, 2020
Instrument	408514
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	606 DOE CREEK TRL WATERLOO IL 622982766, WATERLOO, IL 62298-2766

Mortgage

Document Number	408515
Date	Jun 8, 2020
Instrument	408515

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

Interest

Rate	3%

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Feb 9, 2018
Property Address	318 W 3RD ST, WATERLOO, IL 62298-1355
Document Number	0000394269
Instrument Date	Feb 2, 2018
Instrument	394269
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	318 W 3RD ST, WATERLOO, IL 62298-1355

Mortgage

Document Number	0000394270
Date	Feb 9, 2018
Instrument	394270

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

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	$4,211.00 (+7.23%) Homeowner's exemption	$74,770 (+21.8%) Land $16,400 Building $58,370	$224,310 (+21.8%) Land $49,200 Building $175,110
2024	$3,927.00
2022	Additional exemption filed	$61,390 Land $15,150 Building $46,240	$184,170 Land $45,450 Building $138,720

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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