Monroe County property record for 405 Stiening St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 840 sqft · built 1941 |
| Lot Size | 0.25 acres (10,936 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,729 (2024) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-335-016-000 |
| Primary APN | 07-25-335-016-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Construction Type | Frame |
| Lot Area | 10,936 sqft (0.25 acres) |
| Lot Dimensions | 144 ft deep x 73 ft wide |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 STIENING ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 1U |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Lot Number | 1U |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 600501 |
Source: Monroe County assessment roll, as of August 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 400 PARK ST, WATERLOO, IL 62298-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | May 1, 2025 |
| Transfer Doc | 0000437455 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 1, 2026 |
| Property Address | 405 STIENING ST, WATERLOO, IL 62298-1451 |
| Document Number | 0000442379 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026442379 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Address | 400 PARK ST, WATERLOO, IL 62298-1308 |
| Document Number | 0000442379, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 2026442379 |
| Name | BANK OF BELLEVILLE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $51,970 (+20.78%) Land $16,580 Building $35,390 | $155,910 (+20.78%) Land $49,740 Building $106,170 | |
| 2024 | $2,729.00 | ||
| 2022 | Additional exemption filed | $43,030 Land $15,270 Building $27,760 | $129,090 Land $45,810 Building $83,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 315 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| HTC Holding Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Wisper ISP.
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