403 Grand Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 403 Grand Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,315 sqft · built 1964
Lot Size	0.2 acres (8,883 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Mar 2024)
Tax Bill	$3,927 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-381-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-381-015-000`
Alternative APN	`07241830101300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,315 sqft Living Area
1st Floor Area	1,315 sqft
Basement Area	1,315 sqft
Unfinished Basement	1,315 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	8,883 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Area	378 sqft
Driveway	Concrete Driveway
Driveway Area	846 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	403 GRAND AVE
City	WATERLOO
State	IL
Zip	62298-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART TOWN LOTS 5C & 4B
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	WATERLOO
Legal Lot Number	5C,4B
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3024
Census Tract	600401

Owner

403 Grand Ave is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Mar 11, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 3, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 27, 2017	Grant Deed, Transfer · Line of Credit BANK OF BELLEVILLE
Jun 26, 2017	Quit Claim Deed, Transfer Quitclaim
May 9, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2024 · Amount on File
Deed Sale	Mar 11, 2024 · Amount on File
Prior Sale	Oct 3, 2022 · Amount on File
Deed Document Number	2024432379
Prior Transfer Date	Jun 26, 2017
Prior Transfer Doc	0000390575
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440246
Date	Nov 26, 2025
Instrument	440246

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	6.58%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 11, 2024
Property Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Document Number	0000432379
Map Reference	MB B PG 42
Instrument Date	Mar 8, 2024
Instrument	432379
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1046 W FALLEN LAKE DR, WATERLOO, IL 62298-1281

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	403 GRAND AVE, WATERLOO, IL 62298-1110

Mortgage

Document Number	0000432380
Date	Mar 11, 2024
Instrument	432380

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.38%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 3, 2022
Property Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Document Number	0000426365
Map Reference	MB B PG 42
Instrument Date	Sep 28, 2022
Instrument	426365
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3042 SAVE RD, 3042, BELLEVILLE, IL 62221-7018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 GRAND AVE, WATERLOO, IL 62298-1110

Mortgage

Document Number	0000426366
Date	Oct 3, 2022
Instrument	426366

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.99%

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Sep 27, 2017
Property Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Document Number	0000392135
Instrument Date	Sep 20, 2017
Instrument	392135
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6042 SAVE RD BELLEVILLE IL 62221, BELLEVILLE, IL 62221

Mortgage

Document Number	392136
Date	Sep 27, 2017
Instrument	392136

Lender

Name	BANK OF BELLEVILLE
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jun 26, 2017
Property Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Document Number	0000390575
Instrument Date	Jun 26, 2017
Instrument	390575
Transaction Type	Transfer
Record Updated	Jul 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 GRAND AVE WATERLOO IL 622981110, WATERLOO, IL 62298-1110

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 9, 2017
Property Address	403 GRAND AVE, WATERLOO, IL 62298-1110
Document Number	0000389693
Instrument Date	May 9, 2017
Instrument	389693
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3042 SAVE RD BELLEVILLE IL 622217018, BELLEVILLE, IL 62221-7018

Tax Assessment & Valuation

The 2025 property tax bill for 403 Grand Ave was $3,927, up 6.3% 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	$3,927.00 (+6.28%) Homeowner's exemption	$70,120 Land $16,290 Building $53,830	$210,360 Land $48,870 Building $161,490
2024	$3,695.00
2022		$53,160 Land $15,090 Building $38,070	$159,480 Land $45,270 Building $114,210

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

FEMA maps place 403 Grand Ave 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

Wildfire risk around 403 Grand Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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.

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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Wisper ISP.

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