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322 E 4th St, Waterloo, IL 62298 Property Records

Monroe County property record for 322 E 4th St, Waterloo, IL 62298 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 1875
Square Footage952 sqft Building Perimeter
Lot Size15,246 sqft (0.35 acres)
GarageCarport, 400 sqft
OccupancyOwner Occupied
Tax Bill$3,601.00 (2024)

Property Details

APN / Parcel Number

Primary APN08-30-150-011-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures8 Plumbing Fixtures
Building Area952 sqft Building Perimeter
1st Floor1,042 sqft 1st Floor
Basement Area952 sqft Basement
Unfinished Basement952 sqft Unfinished
Stories1 Stories

Exterior

Year BuiltBuilt 1875
Effective Year BuiltEffective 1875
Exterior MaterialBrick/Stone (Brick and/or Stone) Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Lot Area15,246 sqft (0.35 acres)
DrivewayDriveway Asphalt
Driveway Area2,030 sqft Driveway
Parking Spaces2 Parking Spaces
Garage TypeCarport Garage
Garage Area400 sqft Garage
CarportCarport
Carport Area400 sqft Carport
Shed1 Shed
Shed Area200 sqft Shed
Porch Area126 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address322 E 4TH ST
CityWATERLOO
StateIL
Zip62298-1602
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOTS 16 & 17 SEC 30 & OUTLOT 1 GREENFIELD MANOR
Legal Range09W
Legal Township02S
Legal Section30
Legal SubdivisionGREENFIELD MANOR
JurisdictionMONROE IL
Minor Civil Division19
Census Blockgroup1
Census Block1021
Census Tract600401

Owner

Source: Monroe County records · APN 08-30-150-011-000

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 RecordIndividual Name on File
Mailing Address322 E 4TH ST, WATERLOO, IL 62298-1602
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 18, 2023Deed of Trust, Mortgage · United States Department of Agriculture (USDA) Mortgage
USDA
Nov 23, 2019Loan Modification, Mortgage · Conventional Mortgage
CARRINGTON MTG SVCS
Oct 02, 2017Loan Modification, Mortgage · Conventional Mortgage
CARRINGTON MTG SVCS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record RefreshedSep 20, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address322 E 4TH ST, WATERLOO, IL 62298-1602
Transaction TypeMortgage
Record UpdatedJan 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000431519
DateDec 18, 2023
Instrument431519
Lender
NameUSDA
TypeGovernment Agency
Agreement
TypeUnited States Department of Agriculture (USDA) Mortgage
AmountAmount Recorded
Term312 Months
DueDec 01, 2049

November 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE IL
Property Address322 E 4TH ST, WATERLOO, IL 62298-1602
Document Number0000405647
Instrument DateNov 23, 2019
Transaction TypeMortgage
Record UpdatedJan 27, 2020
Title CompanyVYLLA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address322 E 4TH ST WATERLOO IL 622981602, WATERLOO, IL 62298-1602

Mortgage

Document Number0000405647
DateJan 13, 2020
Instrument405647
Lender
NameCARRINGTON MTG SVCS
AddressANAHEIM, CA 92806
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 12, 2050
Interest
Rate4.12%

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE IL
Property Address322 E 4TH ST, WATERLOO, IL 62298-1602
Document Number0000392459
Instrument DateOct 02, 2017
Transaction TypeMortgage
Record UpdatedNov 02, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address322 E 4TH ST WATERLOO IL 622981602, WATERLOO, IL 62298-1602

Mortgage

Document Number0000392459
DateOct 16, 2017
Instrument392459
Lender
NameCARRINGTON MTG SVCS
AddressANAHEIM, CA 92806
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term276 Months
DueOct 15, 2040
Interest
Rate4.37%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo 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.

YearTax BillAssessed ValueAssessed Market Value
2025$69,040 (+17.61%) Land $17,280 Building $51,760$207,120 (+17.61%) Land $51,840 Building $155,280
2024$3,601.00
2022Additional exemption filed$58,700 Land $15,700 Building $43,000$176,100 Land $47,100 Building $129,000

Flood & Wildfire

322 E 4th St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach of burnable land

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

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