Monroe County property record for 409 Louise Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3,720 sqft |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Company Name on Record |
| Last Sale | $60,000 (Dec 2018) |
| Tax Bill | $18,049 (2025) |
| Deeds & Mortgages | Jan 2021 Construction Loan Dec 2021 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-165-010-000 |
| Primary APN | 08-19-165-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 3,720 sqft Living Area |
| 1st Floor Area | 3,720 sqft |
| Basement Area | 3,720 sqft |
| Unfinished Basement | 3,720 sqft |
| Exterior Material | Brick/Stone |
|---|---|
| Lot Area | 27,443 sqft (0.63 acres) |
| Cooling System | Central |
|---|
| Street Address | 409 LOUISE LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR1 |
| Legal Description | LOT 10 REMLOK |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | REMLOK |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 600401 |
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 409 LOUISE LN, WATERLOO, IL 62298-3289 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK WATERLOO |
| Dec 8, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK WATERLOO |
| Oct 3, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 26, 2018 | Grant Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on Record |
| Deed Sale | Dec 26, 2018 · Amount on Record |
| Deed Document Number | 2018399300 |
| Last Transfer Date | Sep 26, 2019 |
| Transfer Doc | 0000403969 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 409 LOUISE LN, WATERLOO, IL 62298-3289 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000414442 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 414442 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 409 LOUISE LN, WATERLOO, IL 62298-3289 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000421355 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 421355 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 3, 2019 |
| Property Address | 409 LOUISE LN, WATERLOO, IL 62298-3289 |
| Document Number | 0000403969 |
| Instrument Date | Sep 26, 2019 |
| Instrument | 403969 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 320 BETTY DR WATERLOO IL 622981068, WATERLOO, IL 62298-1068 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 26, 2018 |
| Property Address | 409 LOUISE LN, WATERLOO, IL 62298-3289 |
| Document Number | 0000399300 |
| Instrument Date | Dec 24, 2018 |
| Instrument | 399300 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Amount | Amount Recorded |
|---|---|
| Tax | $90.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 BETTY DR WATERLOO IL 622981068, WATERLOO, IL 62298-1068 |
Source: Monroe County assessment roll, as of October 13, 2026
| 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 | $18,049.00 (+4.21%) | $295,800 (+36.19%) Land $24,790 Building $271,010 | $887,400 (+36.19%) Land $74,370 Building $813,030 |
| 2024 | $17,320.00 | ||
| 2022 | $217,190 Land $20,400 Building $196,790 | $651,570 Land $61,200 Building $590,370 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% 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.
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 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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