Monroe County property record for 404 Flower St, Waterloo, IL 62298
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,287 sqft · built 1939 |
| Lot Size | 0.1 acres (4,380 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $217,000 (Jun 2026) |
| Tax Bill | $3,868 (2025) |
| Deeds & Mortgages | Jun 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-249-001-000 |
| Primary APN | 07-25-249-001-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,287 sqft Living Area |
| 1st Floor Area | 1,287 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 4,380 sqft (0.1 acres) |
| Lot Dimensions | 81 ft deep x 51 ft wide |
| Garage Type | Carport |
| Garage Area | 441 sqft |
| Carport | Carport |
| Carport Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 56 sqft |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 404 FLOWER ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1211 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | WB3 |
| Legal Description | LOTS 7C & 23 J B MOORES ADDN 267160 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | J B MOORES ADD |
| Legal Lot Number | 7C,23 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3049 |
| Census Tract | 600401 |
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.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 630 LAKEFIELD DR, COLUMBIA, IL 62236-2702 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on Record |
| Deed Sale | Jun 1, 2026 · Amount on Record |
| Deed Document Number | 2026442835 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 1, 2026 |
| Property Address | 404 FLOWER ST, WATERLOO, IL 62298-1211 |
| Document Number | 0000442835 |
| Instrument Date | May 21, 2026 |
| Instrument | 2026442835 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | PROFESSIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $32,875.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 630 LAKEFIELD DR, COLUMBIA, IL 62236-2702 |
Source: Monroe County assessment roll, as of October 13, 2026
| 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 | $3,868.00 | $63,400 (+3.15%) Land $15,560 Building $47,840 | $190,200 (+3.15%) Land $46,680 Building $143,520 |
| 2024 | $3,868.00 | $61,465 (+16.08%) Land $15,398 Building $46,067 | $184,395 (+16.08%) Land $46,194 Building $138,201 |
| 2022 | $52,950 Land $14,650 Building $38,300 | $158,850 Land $43,950 Building $114,900 |
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 | 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.
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 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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