Monroe County property record for 404 Grand Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 952 sqft · built 1956 |
| Lot Size | 0.17 acres (7,328 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,900 (Aug 2022) |
| Tax Bill | $899 (2024) |
| Deeds & Mortgages | Feb 2023 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-381-021-000 |
| Primary APN | 07-24-381-021-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 507 sqft |
| Unfinished Basement | 507 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 7,328 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 600 sqft |
| Carport | Carport |
| Carport Area | 600 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 432 sqft |
| Patio Area | 140 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 404 GRAND AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 12 PAUTLER HEIGHTS #3 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | PAUTLER HEIGHTS 03 |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 600401 |
404 Grand Ave is owned and occupied by an individual who bought it in August 2022.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 GRAND AVE, WATERLOO, IL 62298-1109 |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Aug 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2022 · Amount on File |
| Deed Sale | Aug 10, 2022 · Amount on File |
| Deed Document Number | 2022425589 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 404 GRAND AVE, WATERLOO, IL 62298-1109 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000427999 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 427999 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 10, 2022 |
| Property Address | 404 GRAND AVE, WATERLOO, IL 62298-1109 |
| Document Number | 0000425589 |
| Map Reference | MB B PG 42 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 425589 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 POTOMAC CT, 2, SMITHTON, IL 62285-1548 |
| Name | Verified Name |
|---|---|
| Address | 404 GRAND AVE, WATERLOO, IL 62298-1109 |
| Document Number | 0000425590 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 425590 |
| Name | ENDEAVOR CAPITAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.13% |
|---|
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 | Homeowner's exemption Disabled Person's exemption | $65,910 Land $16,050 Building $49,860 | $197,730 Land $48,150 Building $149,580 |
| 2024 | $899.00 | ||
| 2022 | Additional exemption filed | $52,480 Land $14,950 Building $37,530 | $157,440 Land $44,850 Building $112,590 |
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.
FEMA maps place 404 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 risk around 404 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.
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 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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