412 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 412 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,254 sqft · built 1939
Lot Size	0.17 acres (7,599 sqft)
Owner	Individual Name on Record
Last Sale	$132,500 (Apr 2026)
Tax Bill	$2,348 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-335-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-335-005-000`
Alternative APN	`07251430301300 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,254 sqft Building Perimeter
1st Floor Area	1,254 sqft
Basement Area	1,254 sqft
Unfinished Basement	1,254 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	7,599 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	308 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	175 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	412 PARK ST
City	WATERLOO
State	IL
Zip	62298-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 6 MENTELS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MENTEL ADDITION
Legal Lot Number	6
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4005
Census Tract	600501

Owner

Source: Monroe County records, as of October 13, 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 Record
Mailing Address	3585 KASKASKIA RD, FULTS, IL 62244-1601
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jul 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Feb 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Deed Document Number	2026442350
Prior Transfer Date	Feb 23, 2018
Prior Transfer Doc	0000394521
Record Updated	Oct 29, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 30, 2026
Property Address	412 PARK ST, WATERLOO, IL 62298-1308
Document Number	0000442350
Instrument Date	Apr 29, 2026
Instrument	2026.442350
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Tax	$20,073.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3585 KASKASKIA RD, FULTS, IL 62244-1601
Investor	Possibly a Property Investor

Mortgage

Document Number	0000442350,
Date	Apr 30, 2026
Instrument	2026.442350

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Jul 22, 2026
Property Address	412 PARK ST, WATERLOO, IL 62298-1308
Document Number	0000443598
Instrument Date	Apr 29, 2026
Instrument	2026443598
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3585 KASKASKIA RD, FULTS, IL 62244-1601

Mortgage

Document Number	0000443598,
Date	Jul 22, 2026
Instrument	2026443598

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	412 PARK ST, WATERLOO, IL 62298-1308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000398050
Date	Sep 28, 2018
Instrument	398050

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Interest

Rate Type	Adjustable Rate

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Feb 26, 2018
Property Address	412 PARK ST, WATERLOO, IL 62298-1308
Document Number	0000394521
Instrument Date	Feb 23, 2018
Instrument	394521
Transaction Type	Transfer
Record Updated	Mar 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 PARK ST WATERLOO IL 622981308, WATERLOO, IL 62298-1308

Tax Assessment & Valuation

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	$2,348.00	$46,160 (-5.31%) Land $14,700 Building $31,460	$138,480 (-5.31%) Land $44,100 Building $94,380
2024	$2,348.00	$48,750 (+35.83%) Land $15,525 Building $33,225	$146,250 (+35.83%) Land $46,575 Building $99,675
2022	Additional exemption filed	$35,890 Land $9,980 Building $25,910	$107,670 Land $29,940 Building $77,730

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

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 458 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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