Monroe County property record for 321 Benjamin Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,820 sqft · built 1998 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $211,000 (May 2018) |
| Tax Bill | $5,857 (2024) |
| Deeds & Mortgages | Nov 2023 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-13-481-011-000 |
| Primary APN | 07-13-481-011-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,820 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 1,024 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,050 sqft |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 321 BENJAMIN LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 MARNEYS CLEARING |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | MARNEY'S CLEARING |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 4 |
| Census Block | 4042 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-13-481-011-000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 BENJAMIN LN, WATERLOO, IL 62298-3230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 07, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA |
| Aug 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MTG CORP |
| May 18, 2018 | Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 18, 2018 · Amount on Record |
| Deed Sale | May 18, 2018 · Amount on Record |
| Deed Document Number | 2018395970 |
| Last Transfer Date | Jan 18, 2025 |
| Transfer Doc | 0000436217 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 321 BENJAMIN LN, WATERLOO, IL 62298-3230 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000431102 |
|---|---|
| Date | Nov 07, 2023 |
| Instrument | 431102 |
| Name | FIRST MID ILLINOIS BK & TR NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 20, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 321 BENJAMIN LN, WATERLOO, IL 62298-3230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000403167 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 403167 |
| Name | AMERICAN PORTFOLIO MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 18, 2018 |
| Property Address | 321 BENJAMIN LN, WATERLOO, IL 62298-3230 |
| Document Number | 0000395970 |
| Map Reference | DOC 205077 |
| Instrument Date | May 18, 2018 |
| Instrument | 395970 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $316.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 321 BENJAMIN LN, WATERLOO, IL 62298-3230 |
| Document Number | 0000395971 |
|---|---|
| Date | May 18, 2018 |
| Instrument | 395971 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2033 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $96,730 (+24.54%) Land $16,840 Building $79,890 | $290,190 (+24.54%) Land $50,520 Building $239,670 | |
| 2024 | $5,857.00 | ||
| 2022 | Additional exemption filed | $77,670 Land $15,450 Building $62,220 | $233,010 Land $46,350 Building $186,660 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 5 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 68 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| HTC Holding | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Wisper ISP, HTC Holding, Delta Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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