415 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 415 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,076 sqft · built 1920
Lot Size	0.09 acres (3,744 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-25-183-034-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-183-034-000`
Alternative APN	`07251010401500 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,076 sqft Living Area
1st Floor Area	1,076 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,744 sqft (0.09 acres)
Lot Dimensions	99 ft deep x 37 ft wide

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Patio Area	225 sqft
Shed	1 Shed
Shed Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 PARK ST
City	WATERLOO
State	IL
Zip	62298-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 31A & 32B L M ECKERTS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	L M ECKERTS ADD
Legal Lot Number	31A,32B
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 October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4505 STATE ROUTE 159, RED BUD, IL 62278-2559
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Oct 16, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 14, 2025
Transfer Doc	0000439659
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	415 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000400086
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6024 VIRBET DR CINCINNATI OH 452301731, CINCINNATI, OH 45230-1731

Mortgage

Document Number	0000400086
Date	Feb 25, 2019
Instrument	400086

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 24, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.25%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Oct 16, 2025
Property Address	415 PARK ST, WATERLOO, IL 62298-1309
Document Number	0000439659
Map Reference	MB A PG 3
Instrument Date	Oct 25, 2014
Instrument	439659
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4505 STATE ROUTE 159, RED BUD, IL 62278-2559

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	$3,155.00 (+7.28%)	$51,720 (+4.06%) Land $15,470 Building $36,250	$155,160 (+4.06%) Land $46,410 Building $108,750
2024	$2,941.00	$49,700 (+3.09%) Land $15,313 Building $34,387	$149,100 (+3.09%) Land $45,939 Building $103,161
2022		$48,210 Land $14,590 Building $33,620	$144,630 Land $43,770 Building $100,860

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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