416 Monroe St, Waterloo, IL 62298 Property Records

Monroe County property record for 416 Monroe St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 720 sqft · built 1954
Lot Size	0.24 acres (10,530 sqft)
Owner	Individual Name on Record
Last Sale	$134,000 (Mar 2021)
Tax Bill	$2,424 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-383-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-383-012-000`
Alternative APN	`07241830301100 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,530 sqft (0.24 acres)
Lot Dimensions	159 ft deep x 70 ft wide
Garage Area	480 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft

Exterior Amenities

Porch	Slab
Porch Area	105 sqft
Shed	1 Shed
Shed Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	416 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 29A PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS 02
Legal Lot Number	29A
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3020
Census Tract	600401

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	416 MONROE ST, WATERLOO, IL 62298-1120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
May 20, 2020	Deed of Trust, Mortgage · Conventional with PMI STATE BK/WATERLOO
Jul 17, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Jul 17, 2019	Deed of Trust, Mortgage · Conventional with PMI STATE BK/WATERLOO
Oct 15, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	2021415938
Prior Transfer Date	Oct 12, 2018
Prior Transfer Doc	0000398274
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 31, 2021
Property Address	416 MONROE ST, WATERLOO, IL 62298-1120
Document Number	0000415938
Map Reference	MB A PG 193
Instrument Date	Mar 29, 2021
Instrument	415938
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONROE ST, WATERLOO, IL 62298-1120

Mortgage

Document Number	0000415939
Date	Mar 31, 2021
Instrument	415939

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.63%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	416 MONROE ST, WATERLOO, IL 62298-1120
Document Number	0000409372
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONROE ST WATERLOO IL 622981120, WATERLOO, IL 62298-1120

Mortgage

Document Number	0000409372
Date	Jul 14, 2020
Instrument	409372

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2050

Interest

Rate	3%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	416 MONROE ST, WATERLOO, IL 62298-1120
Document Number	0000402674
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONROE ST WATERLOO IL 622981120, WATERLOO, IL 62298-1120

Mortgage

Document Number	0000402674
Date	Jul 26, 2019
Instrument	402674

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 25, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.75%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	416 MONROE ST, WATERLOO, IL 62298-1120
Document Number	0000402673
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONROE ST WATERLOO IL 622981120, WATERLOO, IL 62298-1120

Mortgage

Document Number	0000402673
Date	Jul 26, 2019
Instrument	402673

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

Interest

Rate	4%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 15, 2018
Property Address	416 MONROE ST, WATERLOO, IL 62298-1120
Document Number	0000398274
Map Reference	PB A PG 193
Instrument Date	Oct 12, 2018
Instrument	398274
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONROE ST, WATERLOO, IL 62298-1120

Mortgage

Document Number	0000398275
Date	Oct 15, 2018
Instrument	398275

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.63%

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		$48,540 (+24.62%) Land $16,470 Building $32,070	$145,620 (+24.62%) Land $49,410 Building $96,210
2024	$2,424.00
2022	Additional exemption filed	$38,950 Land $15,200 Building $23,750	$116,850 Land $45,600 Building $71,250

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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Wisper ISP.

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