413 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 413 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 630 sqft · built 1913
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Dec 2022)
Tax Bill	$2,925 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-25-183-033-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-183-033-000`
Alternative APN	`07251010401600 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	630 sqft Building Perimeter
1st Floor Area	630 sqft
Basement Area	630 sqft
Unfinished Basement	630 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Construction Type	Frame
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	110 ft deep x 28 ft wide
Driveway	Concrete Driveway
Driveway Area	1,061 sqft
Porch	Porch
Porch Area	88 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	413 PARK ST
City	WATERLOO
State	IL
Zip	62298-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOTS 31C & 32A L M ECKERTS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	L M ECKERT'S ADDITION
Legal Lot Number	31C
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3066
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County records, as of July 20, 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	413 PARK ST, WATERLOO, IL 62298-1309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Apr 2, 2018	Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2022 · Amount on Record
Deed Sale	Dec 27, 2022 · Amount on Record
Prior Sale	Apr 2, 2018 · Amount on Record
Deed Document Number	2022427399
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 27, 2022
Property Address	413 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000427399
Map Reference	MB 73 PG 556
Instrument Date	Dec 16, 2022
Instrument	427399
Transaction Type	Transfer
Record Updated	Jan 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 PARK ST, WATERLOO, IL 62298-1309

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	724 WARD, WATERLOO, IL 62298-1083

Mortgage

Document Number	0000427400
Date	Dec 27, 2022
Instrument	427400

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2038

Interest

Rate Type	Fixed Rate
Rate	7%

April 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 2, 2018
Property Address	413 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000395073
Map Reference	PG 556
Instrument Date	Mar 29, 2018
Instrument	395073
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Tax	$150.00
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	413 PARK ST, WATERLOO, IL 62298-1309

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$50,790 (+15.77%) Land $15,440 Building $35,350	$152,370 (+15.77%) Land $46,320 Building $106,050
2024	$2,925.00
2022	Additional exemption filed	$43,870 Land $14,570 Building $29,300	$131,610 Land $43,710 Building $87,900

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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