320 W 4th St, Waterloo, IL 62298 Property Records

Monroe County property record for 320 W 4th St, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	2 bd · 3 ba · 1,885 sqft · built 1900
Lot Size	0.24 acres (10,602 sqft)
Owner	Individual Name on File
Tax Bill	$1,915 (2024)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-253-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-253-005-000`
Alternative APN	`07251120701700 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,885 sqft Living Area
1st Floor Area	1,885 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,602 sqft (0.24 acres)
Lot Dimensions	155 ft deep x 56 ft wide
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	320 W 4TH ST
City	WATERLOO
State	IL
Zip	62298-1337
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WR3
Legal Description	LOTS 1 & 2 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	1,2
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3067
Census Tract	600401

Owner

Source: Monroe County records · APN 07-25-253-005-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	320 W 4TH ST, WATERLOO, IL 62298-1337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	320 W 4TH ST, WATERLOO, IL 62298-1337
Document Number	0000402907
Instrument Date	Aug 02, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	MADISON COUNTY TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6737 MARTINI RD WATERLOO IL 622982411, WATERLOO, IL 62298-2411

Mortgage

Document Number	0000402907
Date	Aug 07, 2019
Instrument	402907

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 06, 2049

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$44,990 (+7.81%) Land $16,600 Building $28,390	$134,970 (+7.81%) Land $49,800 Building $85,170
2024	$1,915.00
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$41,730 Land $15,260 Building $26,470	$125,190 Land $45,780 Building $79,410

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 458 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	WATERLOO serves 10,190 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.