Monroe County property record for 431 Janice Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1973 |
| Lot Size | 0.27 acres (11,542 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,308 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-301-015-000 |
| Primary APN | 07-25-301-015-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 450 sqft |
| Unfinished Basement | 450 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 11,542 sqft (0.27 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Asphalt Driveway |
| Driveway Area | 408 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Patio Area | 247 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 431 JANICE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 43 SUNSET ACRES 2ND ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | SUNSET ACRES |
| Legal Lot Number | 43 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 27 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 600501 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 431 JANICE DR, WATERLOO, IL 62298-1803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 431 JANICE DR, WATERLOO, IL 62298-1803 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000416590 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 416590 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $66,270 (+18.47%) Land $16,730 Building $49,540 | $198,810 (+18.47%) Land $50,190 Building $148,620 | |
| 2024 | $3,308.00 | ||
| 2022 | Additional exemption filed | $55,940 Land $15,370 Building $40,570 | $167,820 Land $46,110 Building $121,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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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