4176 State Rte 156, Waterloo, IL 62298 Property Records

Monroe County property record for 4176 State Rte 156, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 700 sqft · built 1947
Lot Size	3.38 acres (147,233 sqft)
Owner	2 Company Names on Record
Last Sale	$145,000 (Jun 2017)
Tax Bill	$6,473 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-300-008-000`

Property Details

APN / Parcel Number

Primary APN	`07-26-300-008-000`
Alternative APN	`07260000000900 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	700 sqft Living Area
1st Floor Area	700 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Lot Area	147,233 sqft (3.38 acres)
Garage Area	300 sqft
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4176 STATE ROUTE 156
City	WATERLOO
State	IL
Zip	62298-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WI1
Legal Description	TAX LOTS 8C, 15B & 10A & PART TAX LOTS 6 & 7
Legal Range	10W
Legal Township	02S
Legal Section	26
Legal Subdivision	P M MONROE COUNTY
Legal Lot Number	8C
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3003
Census Tract	600501

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	2 Company Names on Record
Mailing Address	4176 STATE ROUTE 156, WATERLOO, IL 62298-2014
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Dec 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Dec 29, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST NAT'L BK/WATERLOO
Jun 28, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2017 · Amount on Record
Deed Sale	Jun 28, 2017 · Amount on Record
Deed Document Number	2017390645
Last Transfer Date	Aug 12, 2025
Transfer Doc	0000438855
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4176 STATE ROUTE 156, WATERLOO, IL 62298-2014
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423514
Date	Mar 30, 2022
Instrument	423514

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4176 STATE ROUTE 156, WATERLOO, IL 62298-2014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399012
Date	Dec 4, 2018
Instrument	399012

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2033

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4176 STATE ROUTE 156, WATERLOO, IL 62298-2014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409623
Date	Jul 21, 2020
Instrument	409623

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	168 Months
Due	May 1, 2034

Interest

Rate Type	Fixed Rate

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Dec 29, 2017
Property Address	4176 STATE ROUTE 156, WATERLOO, IL 62298-2014
Instrument Date	Dec 15, 2017
Instrument	393683
Transaction Type	Construction Loan
Record Updated	Jan 15, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4176 STATE ROUTE 156 WATERLOO IL 622982014, WATERLOO, IL 62298-2014

Mortgage

Document Number	0000393683
Date	Dec 29, 2017
Instrument	393683

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jun 28, 2017
Property Address	4176 STATE ROUTE 156, WATERLOO, IL 62298-2014
Document Number	0000390645
Instrument Date	Jun 28, 2017
Instrument	390645
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$217.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	506 GLENDELL LN WATERLOO IL 622981801, WATERLOO, IL 62298-1801

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		$118,040 (+28.46%) Land $37,260 Building $80,780	$354,120 (+28.46%) Land $111,780 Building $242,340
2024	$6,473.00
2022	Disabled Person's exemption Veteran's exemption Additional exemption filed	$91,890 Land $28,180 Building $63,710	$275,670 Land $84,540 Building $191,130

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: T-Mobile, Verizon.

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