Monroe County property record for 432 Mockingbird Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,646 sqft Living Area |
| Lot Size | 16,553 sqft (0.38 acres) |
| Garage | 484 sqft |
| Last Sale | $380,000 (2026) |
| Tax Bill | $6,315.00 (2024) |
| Primary APN | 07-26-201-107-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 1,646 sqft Living Area |
| 1st Floor | 1,646 sqft 1st Floor |
| Basement Area | 1,646 sqft Basement |
| Unfinished Basement | 1,646 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 484 sqft Garage |
| Patio Area | 196 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 90 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 432 MOCKINGBIRD LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1278 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 107 WESTVIEW ACRES PHASE VII |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 107 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 17 |
| Census Blockgroup | 3 |
| Census Block | 3026 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-26-201-107-000
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 14 CHRISTINA CT, COLUMBIA, IL 62236-2731 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE BANK |
| Nov 29, 2017 | Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage GUARANTEED RATE |
| Jun 27, 2017 | Trustee's Deed, Construction Loan · Building or Construction Mortgage FIRST CNTY BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | Nov 29, 2017 · Amount on Record |
| Deed Doc Number | 2026442171 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 20, 2026 |
| Property Address | 432 MOCKINGBIRD LN, WATERLOO, IL 62298-1278 |
| Document Number | 0000442171 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.442171 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,570.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 CHRISTINA CT, COLUMBIA, IL 62236-2731 |
| Document Number | 0000442172, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026.442172 |
| Name | STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 29, 2017 |
| Property Address | 432 MOCKINGBIRD LN, WATERLOO, IL 62298-1278 |
| Document Number | 0000393164 |
| Instrument Date | Nov 27, 2017 |
| Instrument | 393164 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 05, 2017 |
| Title Company | FIRSTT AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 432 MOCKINGBIRD LN WATERLOO IL 622981278, WATERLOO, IL 62298-1278 |
| Document Number | 393165 |
|---|---|
| Date | Nov 29, 2017 |
| Instrument | 393165 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 27, 2017 |
| Property Address | 432 MOCKINGBIRD LN, WATERLOO, IL 62298-1278 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 390600 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 05, 2017 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 S COMMERCIAL ST ALBERS IL 622151395, ALBERS, IL 62215-1395 |
| Document Number | 0000390600 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 390600 |
| Name | FIRST CNTY BK |
|---|---|
| Type | Bank |
| Address | NEW BADEN, IL 62265 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 26, 2019 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $120,040 (+6.52%) Land $17,490 Building $102,550 | $360,120 (+6.52%) Land $52,470 Building $307,650 | |
| 2024 | $6,315.00 | $112,696 (+19.28%) Land $16,961 Building $95,735 | $338,088 (+19.28%) Land $50,883 Building $287,205 |
| 2022 | Additional exemption filed | $94,480 Land $15,840 Building $78,640 | $283,440 Land $47,520 Building $235,920 |
432 Mockingbird Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 7th percentile of exposed land nationally · 42nd in Illinois |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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