Monroe County property record for 426 Janice Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,170 sqft · built 1974 |
| Lot Size | 0.29 acres (12,836 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,540 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-304-013-000 |
| Primary APN | 07-25-304-013-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,170 sqft Living Area |
| 1st Floor Area | 1,170 sqft |
| Basement Area | 1,170 sqft |
| Unfinished Basement | 1,170 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 12,836 sqft (0.29 acres) |
| Garage Area | 572 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 576 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 95 sqft |
| Patio Area | 408 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 426 JANICE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 49 SUNSET ACRES 2ND ADDN 0151207 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | SUNSET ACRES |
| Legal Lot Number | 49 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 27 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 600501 |
426 Janice Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 426 JANICE DR, WATERLOO, IL 62298-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 426 JANICE DR, WATERLOO, IL 62298-1804 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000415568 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 415568 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 15, 2031 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 426 Janice Dr was $3,540 with a homeowner's exemption, up 13.1% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,540.00 (+13.14%) Homeowner's exemption | $68,570 Land $16,900 Building $51,670 | $205,710 Land $50,700 Building $155,010 |
| 2024 | $3,129.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $59,600 Land $15,470 Building $44,130 | $178,800 Land $46,410 Building $132,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 426 Janice Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.
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 |
|
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 risk around 426 Janice Dr is low, with 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 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.
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 |
| 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.
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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