Monroe County property record for 321 Liberty Ct, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,794 sqft |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (May 2024) |
| Tax Bill | $8,131 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Oct 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-201-119-000 |
| Primary APN | 07-26-201-119-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,794 sqft Living Area |
| 1st Floor Area | 1,794 sqft |
| Basement Area | 1,794 sqft |
| Unfinished Basement | 1,794 sqft |
| Lot Area | 12,632 sqft (0.29 acres) |
|---|---|
| Garage Area | 816 sqft |
| Cooling System | Central |
|---|
| Street Address | 321 LIBERTY CT |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 119 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 119 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
Source: Monroe County records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 321 LIBERTY CT, WATERLOO, IL 62298-1291 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2020 | Deed of Trust, Mortgage BANK OF SPRINGFIELD |
| Oct 5, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI BANK OF SPRINGFIELD |
| Mar 19, 2018 | Trustee's Deed, Construction Loan · Line of Credit FCB BK |
| Feb 26, 2018 | Grant Deed, Transfer ACCENT TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2024 · Amount on Record |
| Deed Sale | May 20, 2024 · Amount on Record |
| Prior Sale | Oct 5, 2018 · Amount on Record |
| Deed Document Number | 2024433207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 321 LIBERTY CT, WATERLOO, IL 62298-1291 |
| Document Number | 0000406470 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 321 LIBERTY CT WATERLOO IL 622981291, WATERLOO, IL 62298-1291 |
| Document Number | 0000406470 |
|---|---|
| Date | Mar 2, 2020 |
| Instrument | 406470 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Amount | Amount Recorded |
|---|---|
| Term | 336 Months |
| Due | Mar 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.85% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 5, 2018 |
| Property Address | 321 LIBERTY CT, WATERLOO, IL 62298-1291 |
| Document Number | 0000398168 |
| Instrument Date | Oct 4, 2018 |
| Instrument | 398168 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 19, 2018 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $397.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 321 LIBERTY CT WATERLOO IL 622981291, WATERLOO, IL 62298-1291 |
| Document Number | 398169 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 398169 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.12% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 19, 2018 |
| Property Address | 321 LIBERTY CT, WATERLOO, IL 62298-1291 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 394878 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 12, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 S COMMERCIAL ST ALBERS IL 622151395, ALBERS, IL 62215-1395 |
| Document Number | 0000394878 |
|---|---|
| Date | Mar 19, 2018 |
| Instrument | 394878 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | NEW BADEN, IL 62265 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 18, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 26, 2018 |
| Property Address | 321 LIBERTY CT, WATERLOO, IL 62298-1291 |
| Document Number | 0000394515 |
| Instrument Date | Mar 10, 2015 |
| Instrument | 394515 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2018 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $39.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 S COMMERCIAL ST ALBERS IL 622151395, ALBERS, IL 62215-1395 |
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 | $8,131.00 (+10.06%) Homeowner's exemption | $139,010 (+34.09%) Land $16,840 Building $122,170 | $417,030 (+34.09%) Land $50,520 Building $366,510 |
| 2024 | $7,388.00 | ||
| 2022 | Additional exemption filed | $103,670 Land $15,450 Building $88,220 | $311,010 Land $46,350 Building $264,660 |
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.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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