Monroe County property record for 319 Ditchs Run, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 1,928 sqft · built 1998 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $6,995 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-13-481-021-000 |
| Primary APN | 07-13-481-021-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,928 sqft Building Perimeter |
| 1st Floor Area | 1,928 sqft |
| Basement Area | 1,928 sqft |
| Unfinished Basement | 1,928 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Type | Built-in |
| Garage Area | 552 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 320 sqft |
| Patio Area | 694 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 319 DITCHS RUN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 21 MARNEYS CLEARING |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | MARNEY'S CLEARING |
| Legal Lot Number | 21 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 600401 |
Source: Monroe County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 319 DITCHS RUN, WATERLOO, IL 62298-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 319 DITCHS RUN, WATERLOO, IL 62298-3201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000418866 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 418866 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $117,580 (+30.64%) Land $17,180 Building $100,400 | $352,740 (+30.64%) Land $51,540 Building $301,200 | |
| 2024 | $6,995.00 | ||
| 2022 | Additional exemption filed | $90,000 Land $14,150 Building $75,850 | $270,000 Land $42,450 Building $227,550 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 68 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 |
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: ClearWave, Wisper ISP.
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