Monroe County property record for 323 Independence Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,767 sqft · built 2018 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $242,000 (Feb 2018) |
| Tax Bill | $6,541 (2024) |
| Deeds & Mortgages | Feb 2018 Sale & Mortgage Jun 2017 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-201-116-000 |
| Primary APN | 07-26-201-116-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,767 sqft Living Area |
| 1st Floor Area | 1,767 sqft |
| Basement Area | 1,767 sqft |
| Unfinished Basement | 1,767 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 736 sqft |
| Cooling System | Central |
|---|
| Street Address | 323 INDEPENDENCE AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1290 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 116 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 116 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 600402 |
Source: Monroe County records, as of July 20, 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 | 323 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2018 | Deed, Subdivision Related Transfer · Conventional Mortgage JP MORGAN CHASE BANK |
| Jun 27, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage FIRST CNTY BK |
| Jun 15, 2017 | Grant Deed, Transfer ACCENT TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2018 · Amount on Record |
| Deed Sale | Feb 28, 2018 · Amount on Record |
| Prior Sale | Jun 15, 2017 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 28, 2018 |
| Property Address | 323 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000394610 |
| Map Reference | PE 2-222A DOC 308197 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 394610 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $363.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 323 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000394611 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 394611 |
| Name | JP MORGAN CHASE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 27, 2017 |
| Property Address | 323 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 390599 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 10, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 S COMMERCIAL ST ALBERS IL 622151395, ALBERS, IL 62215-1395 |
| Investor | Possibly a Property Investor |
| Document Number | 0000390599 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 390599 |
| Name | FIRST CNTY BK |
|---|---|
| Type | Bank |
| Address | NEW BADEN, IL 62265 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 26, 2019 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 15, 2017 |
| Property Address | 323 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000390391 |
| Instrument Date | Mar 10, 2015 |
| Instrument | 390391 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| 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 August 29, 2025
| 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 | $123,970 (+26.88%) Land $16,790 Building $107,180 | $371,910 (+26.88%) Land $50,370 Building $321,540 | |
| 2024 | $6,541.00 | ||
| 2022 | Additional exemption filed | $97,710 Land $15,410 Building $82,300 | $293,130 Land $46,230 Building $246,900 |
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 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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