Monroe County property record for 320 Quernheim Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,662 sqft · built 1994 |
| Lot Size | 0.32 acres (14,126 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,020 (2025) |
| Deeds & Mortgages | May 2020 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-30-334-006-000 |
| Primary APN | 08-30-334-006-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,662 sqft Living Area |
| 1st Floor Area | 1,662 sqft |
| Basement Area | 1,662 sqft |
| Unfinished Basement | 1,662 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 14,126 sqft (0.32 acres) |
| Garage Area | 506 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,008 sqft |
| Porch | Slab |
| Porch Area | 136 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 320 QUERNHEIM AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | PART LOT 11 BELLE FONTAINE HEIGHTS 1 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | BELLE FONTAINE HEIGHTS |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 19 |
| Census Block Group | 2 |
| Census Block | 2080 |
| Census Tract | 600501 |
320 Quernheim Ave is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 QUERNHEIM AVE, WATERLOO, IL 62298-1725 |
| 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.
| Date | Document |
|---|---|
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 320 QUERNHEIM AVE, WATERLOO, IL 62298-1725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000407866 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 407866 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 23, 2040 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 320 QUERNHEIM AVE, WATERLOO, IL 62298-1725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000407862 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 407862 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 320 Quernheim Ave was $6,020, up 6.4% 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 | $6,020.00 (+6.44%) Homeowner's exemption | $104,420 Land $17,150 Building $87,270 | $313,260 Land $51,450 Building $261,810 |
| 2024 | $5,656.00 | ||
| 2022 | Additional exemption filed | $75,370 Land $15,620 Building $59,750 | $226,110 Land $46,860 Building $179,250 |
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.
FEMA maps place 320 Quernheim Ave in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 320 Quernheim Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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