400 Flower St, Waterloo, IL 62298 Property Records

Monroe County property record for 400 Flower St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,496 sqft · built 1880
Lot Size	0.15 acres (6,561 sqft)
Owner	Trust Name on File
Tax Bill	$2,972 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-249-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-249-002-000`
Alternative APN	`07251120100200 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	1,496 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	6,561 sqft (0.15 acres)
Lot Dimensions	67 ft deep x 95 ft wide
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,012 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	62 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	400 FLOWER ST
City	WATERLOO
State	IL
Zip	62298-1211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	LOTS 7B & 8B J B MOORES ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	J B MOORES ADD
Legal Lot Number	7B,8B
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3049
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

400 Flower St is owner-occupied and held in a trust since August 2020.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Trust Name on File
Mailing Address	400 FLOWER ST, WATERLOO, IL 62298-1211
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Apr 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 31, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 24, 2020
Transfer Doc	0000410616
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	400 FLOWER ST, WATERLOO, IL 62298-1211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000389500
Date	Apr 28, 2017
Instrument	389500

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 20, 2057

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	400 FLOWER ST, WATERLOO, IL 62298-1211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395256
Date	Apr 11, 2018
Instrument	395256

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Aug 31, 2020
Property Address	400 FLOWER ST, WATERLOO, IL 62298-1211
Document Number	0000410616
Instrument Date	Aug 24, 2020
Instrument	410616
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	400 FLOWER ST WATERLOO IL 622981211, WATERLOO, IL 62298-1211

Tax Assessment & Valuation

The 2025 property tax bill for 400 Flower St was $2,972 with a homeowner's exemption, down 12.5% from the year before.

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	$2,972.00 (-12.49%) Homeowner's exemption	$59,260 Land $15,890 Building $43,370	$177,780 Land $47,670 Building $130,110
2024	$3,396.00
2022	Homeowner's exemption Additional exemption filed	$45,330 Land $5,680 Building $39,650	$135,990 Land $17,040 Building $118,950

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 Flower St in Zone X, an area of minimal flood risk.

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

The area around 400 Flower St has no burnable land within ember reach, so its wildfire risk is not rated.

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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