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

Monroe County property record for 321 W 4th St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 816 sqft · built 1970
Lot Size	0.12 acres (5,283 sqft)
Owner	Individual Name on Record
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-251-022-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-251-022-000`
Alternative APN	`07251120600700 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Lot Area	5,283 sqft (0.12 acres)
Lot Dimensions	155 ft deep x 36 ft wide
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	321 W 4TH ST
City	WATERLOO
State	IL
Zip	62298-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 17 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	17
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3060
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

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	Individual Name on Record
Mailing Address	321 W 4TH ST, WATERLOO, IL 62298-1338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage STATE BANK
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 20, 2026
Transfer Doc	0000444243
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Sep 2, 2026
Property Address	321 W 4TH ST, WATERLOO, IL 62298-1338
Document Number	0000444243
Instrument Date	Aug 20, 2026
Instrument	2026444243
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 W 4TH ST, WATERLOO, IL 62298-1338

Mortgage

Document Number	0000444244,
Date	Sep 2, 2026
Instrument	2026444244

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Rate	7.13%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	321 W 4TH ST, WATERLOO, IL 62298-1338
Document Number	0000390161
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	321 W 4TH ST WATERLOO IL 622981338, WATERLOO, IL 62298-1338

Mortgage

Document Number	0000390161
Date	Jun 2, 2017
Instrument	390161

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2027

Interest

Rate	4.75%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,382.00 (+11.31%) Homeowner's exemption	$44,790 (+13.22%) Land $15,630 Building $29,160	$134,370 (+13.22%) Land $46,890 Building $87,480
2024	$2,140.00
2022	Additional exemption filed	$39,560 Land $14,680 Building $24,880	$118,680 Land $44,040 Building $74,640

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, 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

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

May also be available: ClearWave, Wisper ISP.

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