405 Veterans Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 405 Veterans Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,304 sqft · built 1950
Lot Size	0.241 acres (10,492 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2026)
Tax Bill	$3,426 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-383-031-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-383-031-000`
Alternative APN	`07241830301600 00`

Interior

Bedrooms	2 Beds
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,304 sqft Living Area
1st Floor Area	1,304 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,492 sqft (0.241 acres)
Lot Dimensions	158 ft deep x 62 ft wide
Garage Area	624 sqft
Driveway	Concrete Driveway
Driveway Area	552 sqft
Porch	Slab
Porch Area	88 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 VETERANS DR
City	WATERLOO
State	IL
Zip	62298-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 33A PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS 02
Legal Lot Number	33A
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3020
Census Tract	600401

Owner

405 Veterans Dr is owned by an individual who bought it in August 2026.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	160 HARNETT AVE, WOOD RIVER, IL 62095-1103
Owner Type	Individual
Vesting	Widow or Widower

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Nov 22, 2023	Warranty Deed, Transfer · VA Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2026 · Amount on File
Deed Sale	Aug 27, 2026 · Amount on File
Prior Sale	Nov 22, 2023 · Amount on File
Deed Document Number	2026444141
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 27, 2026
Property Address	405 VETERANS DR, WATERLOO, IL 62298-1135
Document Number	0000444141
Instrument Date	Aug 25, 2026
Instrument	2026444141
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	RNB TITLE LLC, RUN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 HARNETT AVE, WOOD RIVER, IL 62095-1103

Mortgage

Document Number	0000444142,
Date	Aug 27, 2026
Instrument	2026444142

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.9%
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 22, 2023
Property Address	405 VETERANS DR, WATERLOO, IL 62298-1135
Document Number	0000431259
Map Reference	MB A PG 61
Instrument Date	Nov 21, 2023
Instrument	431259
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 VETERANS DR, WATERLOO, IL 62298-1135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 VETERANS DR, WATERLOO, IL 62298-1135

Mortgage

Document Number	0000431260
Date	Nov 22, 2023
Instrument	431260

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 405 Veterans Dr was $3,426, up 7.6% from the year before.

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	$3,426.00 (+7.63%)	$61,900 (+3.55%) Land $16,410 Building $45,490	$185,700 (+3.55%) Land $49,230 Building $136,470
2024	$3,183.00	$59,775 Land $16,116 Building $43,659	$179,325 Land $48,348 Building $130,977
2022	Additional exemption filed	$48,680 Land $15,170 Building $33,510	$146,040 Land $45,510 Building $100,530

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

FEMA maps place 405 Veterans Dr 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

Wildfire risk around 405 Veterans Dr 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 98% of the US · lower than 86% 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.

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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