419 Station Xing, Waterloo, IL 62298 Property Records

Monroe County property record for 419 Station Xing, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	6 bd · 6 ba · 2,248 sqft · built 2008
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$252,500 (May 2019)
Tax Bill	$6,460 (2025)
Deeds & Mortgages	May 2023 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-365-020-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-365-020-000`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,248 sqft Living Area
1st Floor Area	2,248 sqft
Basement Area	2,248 sqft
Unfinished Basement	2,248 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	13,939 sqft (0.32 acres)
Garage Area	572 sqft
Driveway	Concrete Driveway
Driveway Area	936 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	419 STATION XING
City	WATERLOO
State	IL
Zip	62298-1885
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WR5
Legal Description	LOT 20 SHADY SPRINGS 1ST ADDN PHASE 1
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	SHADY SPRINGS
Legal Lot Number	20
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3024
Census Tract	600401

Owner

419 Station Xing, a duplex, is owned and occupied by an individual who bought it in May 2019.

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	419 STATION XING, WATERLOO, IL 62298-1885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2019	Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2019 · Amount on File
Deed Sale	May 14, 2019 · Amount on File
Deed Document Number	2019401421
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	419 STATION XING, WATERLOO, IL 62298-1885
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428848
Date	May 2, 2023
Instrument	428848

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	419 STATION XING, WATERLOO, IL 62298-1885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412339
Date	Nov 10, 2020
Instrument	412339

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	May 14, 2019
Property Address	419 STATION XING, WATERLOO, IL 62298-1885
Document Number	0000401421
Instrument Date	Apr 30, 2019
Instrument	401421
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$378.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8028 BARN RD, 8028, WATERLOO, IL 62298-3266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 STATION XING, WATERLOO, IL 62298-1885

Mortgage

Document Number	0000401422
Date	May 14, 2019
Instrument	401422

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 419 Station Xing was $6,460, up 12.2% from the year before.

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	$6,460.00 (+12.23%) Homeowner's exemption	$111,630 Land $17,050 Building $94,580	$334,890 Land $51,150 Building $283,740
2024	$5,756.00
2022	Additional exemption filed	$85,520 Land $15,570 Building $69,950	$256,560 Land $46,710 Building $209,850

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

FEMA maps place 419 Station Xing in Zone X, an area of minimal flood risk.

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

Wildfire risk around 419 Station Xing is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Station Xing

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures