405 N Moore St, Waterloo, IL 62298 Property Records

Monroe County property record for 405 N Moore St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,104 sqft · built 1960
Lot Size	0.26 acres (11,525 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Mar 2023)
Tax Bill	$3,911 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-381-026-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-381-026-000`
Alternative APN	`07241830100200 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,104 sqft Building Perimeter
1st Floor Area	624 sqft
Upper Floors Area	480 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Construction Type	Frame
Lot Area	11,525 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Built-in
Garage Area	312 sqft
Driveway	Concrete Driveway
Driveway Area	418 sqft
Deck Area	250 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 N MOORE ST
City	WATERLOO
State	IL
Zip	62298-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOT 3 & LOT 4 PAUTLER HEIGHTS #3
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS
Legal Lot Number	3-4
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3028
Census Tract	600401

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	Individual Name on Record
Mailing Address	2848 SE 62ND AVE, PORTLAND, OR 97206-1331
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN MORTGAGE CO
Jul 12, 2021	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Prior Sale	Jul 12, 2021 · Amount on Record
Deed Document Number	2023428322
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 21, 2023
Property Address	405 N MOORE ST, WATERLOO, IL 62298-1130
Document Number	0000428322
Map Reference	MB B PG 42
Instrument Date	Mar 16, 2023
Instrument	428322
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 N MOORE ST, WATERLOO, IL 62298-1130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2848 SE 62ND AVE, PORTLAND, OR 97206-1331

Mortgage

Document Number	0000428323
Date	Mar 21, 2023
Instrument	428323

Lender

Name	GUARDIAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.63%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 12, 2021
Property Address	405 N MOORE ST, WATERLOO, IL 62298-1130
Document Number	0000418386
Instrument Date	Jul 9, 2021
Instrument	418386
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 N MOORE ST, WATERLOO, IL 62298-1130

Mortgage

Document Number	0000418387
Date	Jul 12, 2021
Instrument	418387

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$3,911.00 (+8.31%)	$64,100 (+5.06%) Land $16,410 Building $47,690	$192,300 (+5.06%) Land $49,230 Building $143,070
2024	$3,611.00	$61,011 (+28.74%) Land $16,095 Building $44,916	$183,033 (+28.74%) Land $48,285 Building $134,748
2022	Additional exemption filed	$47,390 Land $15,180 Building $32,210	$142,170 Land $45,540 Building $96,630

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.

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 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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