401 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 401 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,364 sqft · built 1880
Lot Size	0.18 acres (7,884 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2026)
Tax Bill	$3,990 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-253-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-253-013-000`
Alternative APN	`07251120700300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft
Basement Area	1,364 sqft
Unfinished Basement	1,364 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	7,884 sqft (0.18 acres)
Lot Dimensions	155 ft deep x 39 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 PARK ST
City	WATERLOO
State	IL
Zip	62298-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 20 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	20
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3066
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

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

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

Owner of Record	Individual Name on Record
Mailing Address	1304 FIELDSTONE, WATERLOO, IL 62298-2780
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Dec 20, 2021 · Amount on Record
Deed Document Number	2026443430
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 13, 2026
Property Address	401 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000443430
Instrument Date	Jul 10, 2026
Instrument	2026443430
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,572.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 FIELDSTONE, WATERLOO, IL 62298-2780

Mortgage

Document Number	0000443430,
Date	Jul 13, 2026
Instrument	2026443430

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	May 1, 2026
Property Address	401 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000442379
Instrument Date	May 1, 2026
Instrument	2026442379
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	400 PARK ST, WATERLOO, IL 62298-1308

Mortgage

Document Number	0000442379,
Date	May 1, 2026
Instrument	2026442379

Lender

Name	BANK OF BELLEVILLE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.46%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 20, 2021
Property Address	401 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000421560
Map Reference	MB A PG 7
Instrument Date	Dec 17, 2021
Instrument	421560
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1055 BOWEN ESTATES RD, 1055, RUSSELLVILLE, AR 72802-2323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PARK ST, WATERLOO, IL 62298-1309

Mortgage

Document Number	0000421561
Date	Dec 20, 2021
Instrument	421561

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.38%

Tax Assessment & Valuation

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	$3,990.00 (+6.17%)	$65,400 (+2.99%) Land $16,210 Building $49,190	$196,200 (+2.99%) Land $48,630 Building $147,570
2024	$3,758.00	$63,504 (+13.54%) Land $15,937 Building $47,567	$190,512 (+13.54%) Land $47,811 Building $142,701
2022		$55,930 Land $15,030 Building $40,900	$167,790 Land $45,090 Building $122,700

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.

Flood

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

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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