409 Grand Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 409 Grand Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 962 sqft · built 1962
Lot Size	0.2 acres (8,883 sqft)
Owner	Individual Name on File
Tax Bill	$3,484 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-381-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-381-011-000`
Alternative APN	`07241830101600 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	962 sqft Building Perimeter
1st Floor Area	962 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,883 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Area	288 sqft
Driveway	Concrete Driveway
Driveway Area	722 sqft

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 GRAND AVE
City	WATERLOO
State	IL
Zip	62298-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOTS 4C & 5D
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	WATERLOO
Legal Lot Number	4C,5D
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3024
Census Tract	600401

Owner

409 Grand Ave is owned and occupied by an individual who acquired it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	409 GRAND AVE, WATERLOO, IL 62298-1110
Occupancy	Owner Occupied
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
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Aug 1, 2017	Quit Claim Deed, Transfer SCOTT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 26, 2017
Transfer Doc	0000391213
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	409 GRAND AVE, WATERLOO, IL 62298-1110
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423085
Date	Mar 10, 2022
Instrument	423085

Lender

Name	JLB CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Aug 1, 2017
Property Address	409 GRAND AVE, WATERLOO, IL 62298-1110
Document Number	0000391213
Instrument Date	Jul 26, 2017
Instrument	391213
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 GRAND AVE WATERLOO IL 622981110, WATERLOO, IL 62298-1110

Mortgage

Document Number	391214
Date	Aug 1, 2017
Instrument	391214

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 409 Grand Ave was $3,484, up 9.1% 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	$3,484.00 (+9.08%) Homeowner's exemption	$62,850 Land $16,290 Building $46,560	$188,550 Land $48,870 Building $139,680
2024	$3,194.00
2022	Additional exemption filed	$46,880 Land $15,090 Building $31,790	$140,640 Land $45,270 Building $95,370

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 409 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 409 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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