Monroe County property record for 404 Hamacher St, Waterloo, IL 62298
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,062 sqft · built 1991 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Nov 2024) |
| Tax Bill | $1,317 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-365-010-000 |
| Primary APN | 08-19-365-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,062 sqft Living Area |
| 1st Floor Area | 1,062 sqft |
| Basement Area | 1,062 sqft |
| Unfinished Basement | 1,062 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Area | 630 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Porch | Slab |
| Porch Area | 76 sqft |
| Patio Area | 352 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 404 HAMACHER ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1751 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | WR5 |
| Legal Description | PART LOTS 89 & 90 EAST RIDGE 4 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 89-90 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 600401 |
404 Hamacher St, a duplex, is owned and occupied by an individual who bought it in November 2024.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 HAMACHER ST, A, WATERLOO, IL 62298-1751 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2024 · Amount on File |
| Deed Sale | Nov 1, 2024 · Amount on File |
| Deed Document Number | 2024435204 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 404 Hamacher St was $1,317 with exemptions applied, down 1.2% from the year before.
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 | $1,317.00 (-1.2%) Homeowner's exemption Senior Citizen's exemption | $57,570 (+6.86%) Land $15,980 Building $41,590 | $172,710 (+6.86%) Land $47,940 Building $124,770 |
| 2024 | $1,333.00 | $53,872 Land $15,757 Building $38,115 | $161,616 Land $47,271 Building $114,345 |
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $47,600 Land $14,890 Building $32,710 | $142,800 Land $44,670 Building $98,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Hamacher 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 risk around 404 Hamacher St 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 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 269 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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