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431 Sunset Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 431 Sunset Dr, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,008 sqft · built 1971
Lot Size0.26 acres (11,142 sqft)
OwnerIndividual Name on File
Tax Bill$2,645 (2024)
Deeds & MortgagesSep 2025 Mortgage
Oct 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN07-25-304-028-000

Property Details

APN / Parcel Number

Primary APN07-25-304-028-000
Alternative APN
  • 07251330401700 00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,008 sqft Living Area
1st Floor Area1,008 sqft
Basement Area1,008 sqft
Unfinished Basement1,008 sqft

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Construction TypeFrame
Lot Area11,142 sqft (0.26 acres)
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address431 SUNSET DR
CityWATERLOO
StateIL
Zip62298-1815
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 73 SUNSET ACRES 2ND ADDN
Legal Range10W
Legal Township02S
Legal Section25
Legal SubdivisionSUNSET ACRES
Legal Lot Number73
JurisdictionMONROE IL
Township / Civil Division27
Census Block Group3
Census Block3002
Census Tract600501

Owner

Source: Monroe County records · APN 07-25-304-028-000

Assessment roll updated August 29, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address431 SUNSET DR, WATERLOO, IL 62298-1815
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2025Deed of Trust, Mortgage · Conventional Mortgage
STATE BANK
Oct 21, 2019Quit Claim Deed, Transfer · Conventional with PMI
SCOTT CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateOct 11, 2019
Transfer Doc0000404261
Record UpdatedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address431 SUNSET DR, WATERLOO, IL 62298-1815
Transaction TypeMortgage
Record UpdatedOct 15, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000439445
DateSep 29, 2025
Instrument439445
Lender
NameSTATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term24 Months
DueOct 01, 2027
Interest
Rate TypeFixed Rate
Rate8%

October 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE IL
Recording DateOct 21, 2019
Property Address431 SUNSET DR, WATERLOO, IL 62298-1815
Document Number0000404261
Instrument DateOct 11, 2019
Instrument404261
Transaction TypeTransfer
Record UpdatedNov 05, 2019
Title CompanyILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address431 SUSET DR WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number404262
DateOct 21, 2019
Instrument404262
Lender
NameSCOTT CU
TypeCredit Union
AddressEDWARDSVILLE, IL 62025
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 20, 2049
Interest
Rate TypeFixed Rate
Rate3.62%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$54,280 (+15.93%) Land $16,730 Building $37,550$162,840 (+15.93%) Land $50,190 Building $112,650
2024$2,645.00
2022Additional exemption filed$46,820 Land $15,370 Building $31,450$140,460 Land $46,110 Building $94,350

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336005013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Nearby Flood Claims8 (1993)
Claims Outside the SFHA2 of 8
Most Recent ClaimAug 1993, river or lake flooding, Severe Storms & Flooding
Claims By Storm
  • Severe Storms & Flooding, Aug 1993 · 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 315 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
HTC HoldingFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
HTC HoldingDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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