405 Flower St, Waterloo, IL 62298 Property Records

Monroe County property record for 405 Flower St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,152 sqft · built 1924
Lot Size	0.31 acres (13,367 sqft)
Owner	Company Name on Record
Tax Bill	$4,094 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-019-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-019-000`
Alternative APN	`07250720100300 00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Building Perimeter
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,367 sqft (0.31 acres)
Lot Dimensions	155 ft deep x 98 ft wide
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 FLOWER ST
City	WATERLOO
State	IL
Zip	62298-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 4 & 5 J B MOORES ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	JB MOORES ADD
Legal Lot Number	4-5
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3040
Census Tract	600401

Historic Designation

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.

Owner

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	Company Name on Record
Mailing Address	551 N PEARL ST, 403, DENVER, CO 80203-3857
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Jun 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 6, 2019
Transfer Doc	0000402101
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	405 FLOWER ST, WATERLOO, IL 62298-1212
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428517
Date	Apr 4, 2023
Instrument	428517

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 9, 2033

Interest

Rate Type	Adjustable Rate
Rate	8%

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jun 24, 2019
Property Address	405 FLOWER ST, WATERLOO, IL 62298-1212
Document Number	0000402101
Instrument Date	Apr 6, 2019
Instrument	402101
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2616 HELM RD CARPENTERSVILLE IL 601101302, CARPENTERSVILLE, IL 60110-1302

Tax Assessment & Valuation

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	$4,094.00 (+6.87%)	$67,100 (+102.47%) Land $16,940 Building $50,160	$201,300 (+102.47%) Land $50,820 Building $150,480
2024	$3,831.00 (+80.11%)
2022	$2,127.00	$33,140 Land $13,080 Building $20,060	$99,420 Land $39,240 Building $60,180

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

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 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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