Monroe County property record for 324 Thomas Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 6 ba · 2,881 sqft · built 2002 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Company Name on File |
| Last Sale | $509,250 (Aug 2021) |
| Tax Bill | $12,674 (2024) |
| Deeds & Mortgages | Aug 2021 Sale Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-14-234-008-000 |
| Primary APN | 07-14-234-008-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 6 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,881 sqft Living Area |
| 1st Floor Area | 2,881 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Area | 1,059 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,975 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 84 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 324 THOMAS LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 34 STERRITTS RUN 1ST ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 14 |
| Legal Subdivision | STERRITT'S RUN |
| Legal Lot Number | 34 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-14-234-008-000
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 | Company Name on File |
|---|---|
| Mailing Address | 424 BOWDOIN CIR, SARASOTA, FL 34236-1102 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 23, 2021 | Warranty Deed, Transfer |
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Feb 25, 2021 | Warranty Deed, Transfer |
| Mar 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Prior Sale | Mar 17, 2020 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 23, 2021 |
| Property Address | 324 THOMAS LN, WATERLOO, IL 62298-5563 |
| Document Number | 0000419255 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 419255 |
| Transaction Type | Transfer |
| Record Updated | Sep 08, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $764.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 260, COLUMBIA, IL 62236-0260 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 324 THOMAS LN, WATERLOO, IL 62298-5563 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | BENCHMARK TITLE COMPANY, BENCHMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000415967 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 415967 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 25, 2021 |
| Property Address | 324 THOMAS LN, WATERLOO, IL 62298-5563 |
| Document Number | 0000415186 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 415186 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 THOMAS LN, WATERLOO, IL 62298-5563 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 17, 2020 |
| Property Address | 324 THOMAS LN, WATERLOO, IL 62298-5563 |
| Document Number | 0000406739 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 406739 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | COLUMBIA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $705.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 324 THOMAS LN, WATERLOO, IL 62298-5563 |
| Document Number | 0000406740 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 406740 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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 | $215,220 (+35.21%) Land $22,600 Building $192,620 | $645,660 (+35.21%) Land $67,800 Building $577,860 | |
| 2024 | $12,674.00 (+28.87%) | ||
| 2022 | $9,835.00 Additional exemption filed | $159,180 Land $19,030 Building $140,150 | $477,540 Land $57,090 Building $420,450 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, 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 | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| 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 134 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| HTC Holding | Fiber | 1,000 / 1,000 |
| HTC Holding | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.
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