406 Grand Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 406 Grand Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,065 sqft · built 1956
Lot Size	0.17 acres (7,304 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Oct 2025)
Tax Bill	$2,839 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-381-020-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-381-020-000`
Alternative APN	`07241830100800 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,065 sqft Living Area
1st Floor Area	1,065 sqft
Basement Area	1,065 sqft
Unfinished Basement	1,065 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	7,304 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	484 sqft
Carport	Carport
Carport Area	484 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 GRAND AVE
City	WATERLOO
State	IL
Zip	62298-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 11 PAUTLER HEIGHTS #3
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS NO 3
Legal Lot Number	11
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3027
Census Tract	600401

Owner

406 Grand Ave is owned by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1732 KROPP RD, MILLSTADT, IL 62260-1842
Owner Type	Individual

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
Oct 8, 2025	Special Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Nov 19, 2019	Special Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on File
Deed Sale	Oct 8, 2025 · Amount on File
Prior Sale	Nov 19, 2019 · Amount on File
Deed Document Number	2025439554
Prior Transfer Date	Feb 13, 2019
Prior Transfer Doc	0000403012
Record Updated	Oct 29, 2026

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 8, 2025
Property Address	406 GRAND AVE, WATERLOO, IL 62298-1109
Document Number	0000439554
Map Reference	MB B PG 42
Instrument Date	Oct 7, 2025
Instrument	439554
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 GRAND AVE, WATERLOO, IL 62298-1109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 GRAND AVE, WATERLOO, IL 62298-1109

Mortgage

Document Number	0000439555
Date	Oct 8, 2025
Instrument	439555

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.49%

November 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 19, 2019
Property Address	406 GRAND AVE, WATERLOO, IL 62298-1109
Document Number	0000404856
Instrument Date	Nov 19, 2019
Instrument	404856
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 GRAND AVE, WATERLOO, IL 62298-1109

Mortgage

Document Number	0000404857
Date	Nov 19, 2019
Instrument	404857

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Aug 15, 2019
Property Address	406 GRAND AVE, WATERLOO, IL 62298-1109
Document Number	0000403012
Instrument Date	Feb 13, 2019
Instrument	403012
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$75.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 AVINGTON DR WATERLOO IL 622985560, WATERLOO, IL 62298-5560

Tax Assessment & Valuation

The 2025 property tax bill for 406 Grand Ave was $2,839, down 2.5% 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	$2,839.00 (-2.54%) Homeowner's exemption	$52,290 (-5.31%) Land $14,980 Building $37,310	$156,870 (-5.31%) Land $44,940 Building $111,930
2024	$2,913.00 Additional exemption filed	$55,223 Land $15,820 Building $39,403	$165,669 Land $47,460 Building $118,209
2022	$1,348.00 Additional exemption filed	$27,000 Land $7,780 Building $19,220	$81,000 Land $23,340 Building $57,660

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Grand Ave 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 406 Grand Ave 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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