Monroe County property record for 405 Adams Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,572 sqft · built 1989 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $208,000 (Jun 2018) |
| Tax Bill | $4,735 (2024) |
| Deeds & Mortgages | Jan 2023 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-352-021-000 |
| Primary APN | 08-19-352-021-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,572 sqft Living Area |
| 1st Floor Area | 1,572 sqft |
| Basement Area | 1,572 sqft |
| Unfinished Basement | 1,572 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 125 ft deep x 98 ft wide |
| Garage Area | 720 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,032 sqft |
| Porch | Porch |
| Porch Area | 196 sqft |
| Patio Area | 406 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 ADAMS DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR5 |
| Legal Description | LOT 60 & PART LOT 56 EAST RIDGE 3 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 60 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-19-352-021-000
Assessment roll updated August 29, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 ADAMS DR, WATERLOO, IL 62298-1505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK |
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 06, 2018 | Grant Deed, Transfer PRIME LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 06, 2018 · Amount on Record |
| Deed Sale | Jun 06, 2018 · Amount on Record |
| Prior Sale | Jun 06, 2018 · Amount on Record |
| Deed Document Number | 2018396281 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 405 ADAMS DR, WATERLOO, IL 62298-1505 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000427608 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 427608 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 09, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 405 ADAMS DR, WATERLOO, IL 62298-1505 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | BENCHMARK TITLE COMPANY, BENCHMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414123 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 414123 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 06, 2018 |
| Property Address | 405 ADAMS DR, WATERLOO, IL 62298-1505 |
| Document Number | 0000396281 |
| Instrument Date | Jun 05, 2018 |
| Instrument | 396281 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2019 |
| Title Company | ACCENT TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 ADAMS DR WATERLOO IL 622981505, WATERLOO, IL 62298-1505 |
| Document Number | 396282 |
|---|---|
| Date | Jun 06, 2018 |
| Instrument | 396282 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 05, 2048 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $90,390 (+23.97%) Land $16,790 Building $73,600 | $271,170 (+23.97%) Land $50,370 Building $220,800 | |
| 2024 | $4,735.00 | ||
| 2022 | Additional exemption filed | $72,910 Land $15,410 Building $57,500 | $218,730 Land $46,230 Building $172,500 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 242 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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