424 W 4th St, Waterloo, IL 62298 Property Records

Monroe County property record for 424 W 4th St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.12 acres (5,413 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Jan 2023)
Tax Bill	$2,020 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-183-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-183-015-000`
Alternative APN	`07251010301200 00`

Exterior

Lot Area	5,413 sqft (0.12 acres)
Lot Dimensions	67 ft deep x 79 ft wide
Driveway	Asphalt Driveway
Driveway Area	180 sqft

Location & Zoning

Street Address	424 W 4TH ST
City	WATERLOO
State	IL
Zip	62298-1339
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WI1
Legal Description	LOT 37C
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WEST OUTLOTS WATERLOO
Legal Lot Number	37C
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3045
Census Tract	600401

Owner

Source: Monroe County records, as of October 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	8310 D RD, WATERLOO, IL 62298-5312
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jan 17, 2023	Limited Warranty Deed, Transfer · Commercial Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Deed Document Number	2023427631
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Aug 31, 2026
Property Address	424 W 4TH ST, WATERLOO, IL 62298-1339
Document Number	0000444154
Instrument Date	Aug 25, 2026
Instrument	2026444154
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	8310 D RD, WATERLOO, IL 62298-5312

Mortgage

Document Number	0000444154,
Date	Aug 31, 2026
Instrument	2026444154

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Aug 12, 2026
Property Address	424 W 4TH ST, WATERLOO, IL 62298-1339
Document Number	0000443917
Instrument Date	Aug 11, 2026
Instrument	2026443917
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	8310 D RD, WATERLOO, IL 62298-5312

Mortgage

Document Number	0000443917,
Date	Aug 12, 2026
Instrument	2026443917

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

January 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 17, 2023
Property Address	424 W 4TH ST, WATERLOO, IL 62298-1378
Document Number	0000427631
Instrument Date	Jan 13, 2023
Instrument	427631
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8608 HENKE CT, WATERLOO, IL 62298-5354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8310 D RD, WATERLOO, IL 62298-5312

Mortgage

Document Number	0000427632
Date	Jan 17, 2023
Instrument	427632

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 5, 2048

Mortgage

Document Number	0000427634
Date	Jan 17, 2023
Instrument	427634

Lender

Name	WELLMAN PROPERTIES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Jan 3, 2027

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	$2,020.00 (-1.75%)	$32,860 (+1.55%) Land $4,740 Building $28,120	$98,580 (+1.55%) Land $14,220 Building $84,360
2024	$2,056.00 (-1.01%)
2022	$2,077.00	$32,360 Land $4,740 Building $27,620	$97,080 Land $14,220 Building $82,860

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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