319 Douglas St, Waterloo, IL 62298 Property Records

St. Clair County property record for 319 Douglas St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,400 sqft · built 1968
Lot Size	3.29 acres (143,312 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Nov 2005)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Feb 2019 Loan Modification Nov 2018 Loan Modification
APN	`16-11-0-201-001`

Property Details

APN / Parcel Number

Primary APN	`16-11-0-201-001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	143,312 sqft (3.29 acres)
Garage Type	Mixed
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	319 DOUGLAS ST
City	WATERLOO
State	IL
Zip	62298-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HORNS 1ST ADD LOT/SEC-D A01947453
Legal Subdivision	HORNS 1ST ADD
Legal Block	201
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3057
Census Tract	503203

Owner

Source: St. Clair County records, as of September 21, 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	319 DOUGLAS ST, WATERLOO, IL 62298-4513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2019	Loan Modification, Mortgage · Conventional Mortgage FCB BK
Nov 18, 2018	Loan Modification, Mortgage · Conventional Mortgage FCB BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2005 · Amount on Record
Deed Sale	Nov 22, 2005 · Amount on Record
Prior Sale	Oct 26, 2005
Deed Document Number	20051947453
Deed Book / Page	4265 / 1814
Prior Transfer Date	May 30, 2003
Prior Transfer Doc	0001789655
Record Updated	Oct 29, 2026

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	319 DOUGLAS ST, WATERLOO, IL 62298-4513
Document Number	00A2605235
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 DOUGLAS ST WATERLOO IL 622984513, WATERLOO, IL 62298-4513

Mortgage

Document Number	00A2605235
Date	Feb 28, 2019
Instrument	2605235

Lender

Name	FCB BK
Type	Bank
Address	OFALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	319 DOUGLAS ST, WATERLOO, IL 62298-4513
Document Number	00A2598874
Instrument Date	Nov 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 DOUGLAS ST WATERLOO IL 622984513, WATERLOO, IL 62298-4513

Mortgage

Document Number	00A2598874
Date	Dec 13, 2018
Instrument	2598874

Lender

Name	FCB BK
Type	Bank
Address	SWANSEA, IL 62226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Millstadt Township
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,864.00 (+34.78%)	$44,274 (+21.7%) Land $17,621 Building $26,653	$132,822 (+21.7%) Land $52,863 Building $79,959
2022		$36,379 Land $14,792 Building $21,587	$109,137 Land $44,376 Building $64,761
2019	$2,125.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30

May also be available: AT&T.

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