Monroe County property record for 412 Monroe St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 772 sqft · built 1953 |
| Lot Size | 0.24 acres (10,524 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,000 (Aug 2025) |
| Tax Bill | $1,254 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2024 Foreclosure + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-383-013-000 |
| Primary APN | 07-24-383-013-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 772 sqft Living Area |
| 1st Floor Area | 772 sqft |
| Basement Area | 772 sqft |
| Unfinished Basement | 772 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 10,524 sqft (0.24 acres) |
| Lot Dimensions | 159 ft deep x 70 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 412 MONROE ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 30B PAUTLER HEIGHTS #2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | PAUTLER HEIGHTS NO TWO (2) |
| Legal Lot Number | 30B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-383-013-000
Assessment roll updated August 29, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Mar 21, 2024 | Foreclosure |
| May 27, 2022 | Intrafamily Transfer, Transfer |
| Feb 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| May 31, 2018 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on Record |
| Deed Sale | Aug 21, 2025 · Amount on Record |
| Prior Sale | Jun 07, 2024 · Amount on Record |
| Deed Document Number | 2025438962 |
| Prior Transfer Date | May 26, 2022 |
| Prior Transfer Doc | 0000424473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000440341 |
|---|---|
| Date | Dec 04, 2025 |
| Instrument | 440341 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 21, 2024 |
| Property Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000432507 |
| Instrument Date | Mar 04, 2024 |
| Instrument | 432507 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 17, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $165.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 1 S WACKER DR LBBY 24, 24, CHICAGO, IL 60606-4615 |
| Name | Verified Name |
|---|---|
| Address | 1323 SUMMERFIELD, WATERLOO, IL 62298-2873 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 27, 2022 |
| Property Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000424473 |
| Instrument Date | May 26, 2022 |
| Instrument | 424473 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000406543 |
| Instrument Date | Feb 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 412 MONROE ST WATERLOO IL 622981120, WATERLOO, IL 62298-1120 |
| Document Number | 0000406543 |
|---|---|
| Date | Mar 05, 2020 |
| Instrument | 406543 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 04, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.22% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 31, 2018 |
| Property Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000396145 |
| Instrument Date | May 24, 2018 |
| Instrument | 396145 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $192.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 412 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000396146 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 396146 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $51,410 (+25.67%) Land $16,470 Building $34,940 | $154,230 (+25.67%) Land $49,410 Building $104,820 | |
| 2024 | $1,254.00 | ||
| 2022 | Additional exemption filed | $40,910 Land $15,200 Building $25,710 | $122,730 Land $45,600 Building $77,130 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 150 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures