406 Adams Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 406 Adams Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,490 sqft · built 1988
Lot Size	0.25 acres (10,999 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,519 (2024)
Deeds & Mortgages	May 2021 Transfer Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-352-022-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-352-022-000`
Alternative APN	`08191710402500 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,490 sqft Living Area
1st Floor Area	1,490 sqft
Basement Area	585 sqft
Unfinished Basement	585 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,999 sqft (0.25 acres)
Lot Dimensions	125 ft deep x 92 ft wide
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	741 sqft
Porch	Slab
Porch Area	120 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 ADAMS DR
City	WATERLOO
State	IL
Zip	62298-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	PART LOTS 57 & 61 EAST RIDGE 3 0172105
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	57,61
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1012
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 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 Record
Mailing Address	406 ADAMS DR, WATERLOO, IL 62298-1540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Intrafamily Transfer, Transfer
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 28, 2021
Transfer Doc	0000416885
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	May 4, 2021
Property Address	406 ADAMS DR, WATERLOO, IL 62298-1540
Document Number	0000416885
Instrument Date	Apr 28, 2021
Instrument	416885
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ADAMS DR, WATERLOO, IL 62298-1540

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	406 ADAMS DR, WATERLOO, IL 62298-1540
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415379
Date	Mar 4, 2021
Instrument	415379

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2031

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$66,720 (+23.53%) Land $15,140 Building $51,580	$200,160 (+23.53%) Land $45,420 Building $154,740
2024	$3,519.00
2022	Homeowner's exemption Additional exemption filed	$54,010 Land $12,960 Building $41,050	$162,030 Land $38,880 Building $123,150

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 269 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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