Monroe County property record for 339 Independence Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,858 sqft · built 2006 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jul 2020) |
| Tax Bill | $5,992 (2024) |
| Deeds & Mortgages | Jan 2023 Transfer Jun 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-201-112-000 |
| Primary APN | 07-26-201-112-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,858 sqft Living Area |
| 1st Floor Area | 1,858 sqft |
| Basement Area | 1,858 sqft |
| Unfinished Basement | 1,858 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 572 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 748 sqft |
| Porch | Slab |
| Porch Area | 80 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 339 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 112 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 112 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 600402 |
Source: Monroe County assessment roll, as of August 29, 2025
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 File |
|---|---|
| Mailing Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2023 | Transfer on Death Deed, Transfer |
| Jun 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 20, 2020 | Warranty Deed, Construction Loan · Conventional Mortgage DAS ACQUISITION |
| Apr 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2020 · Amount on Record |
| Deed Sale | Jul 20, 2020 · Amount on Record |
| Last Transfer Date | Nov 30, 2022 |
| Transfer Doc | 0000427544 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 6, 2023 |
| Property Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000427544 |
| Map Reference | DOC 308197 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 427544 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Name | Verified Name |
|---|---|
| Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000390372 |
|---|---|
| Date | Jun 14, 2017 |
| Instrument | 390372 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000390467 |
|---|---|
| Date | Jun 20, 2017 |
| Instrument | 390467 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 20, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 20, 2020 |
| Property Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000409587 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 409587 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 7, 2020 |
| Title Company | BENCHMARK TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 339 INDEPENDENCE AVE WATERLOO IL 622981290, WATERLOO, IL 62298-1290 |
| Document Number | 409588 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 409588 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.35% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 339 INDEPENDENCE AVE, WATERLOO, IL 62298-1290 |
| Document Number | 0000400836 |
| Instrument Date | Apr 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2019 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1620 TIMBER RDG COLUMBIA IL 622363355, COLUMBIA, IL 62236-3355 |
| Document Number | 0000400836 |
|---|---|
| Date | Apr 11, 2019 |
| Instrument | 400836 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2049 |
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 | $114,940 (+23.72%) Land $16,790 Building $98,150 | $344,820 (+23.72%) Land $50,370 Building $294,450 | |
| 2024 | $5,992.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $92,900 Land $15,410 Building $77,490 | $278,700 Land $46,230 Building $232,470 |
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 |
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) |
|---|---|
| HTC Holding 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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