Monroe County property record for 428 Monroe St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 768 sqft · built 1951 |
| Lot Size | 0.24 acres (10,603 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,544 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-383-008-000 |
| Primary APN | 07-24-383-008-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 10,603 sqft (0.24 acres) |
| Lot Dimensions | 167 ft deep x 70 ft wide |
| Garage Area | 308 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 462 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Patio Area | 286 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 428 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 26B PAUTLER HEIGHTS #2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | PAUTLER HEIGHTS 02 |
| Legal Lot Number | 26B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 600401 |
Source: Monroe County records, as of October 13, 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 | 428 MONROE ST, WATERLOO, IL 62298-1120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 1, 2025 |
| Transfer Doc | 0000438270 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 7, 2026 |
| Property Address | 428 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000443847 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 2026443847 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 428 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000443847, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 2026443847 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
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 | $2,544.00 Homeowner's exemption | $52,250 (+26.42%) Land $16,470 Building $35,780 | $156,750 (+26.42%) Land $49,410 Building $107,340 |
| 2024 | $2,544.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $41,330 Land $15,200 Building $26,130 | $123,990 Land $45,600 Building $78,390 |
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.
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.
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.
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 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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