433 Janice Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 433 Janice Dr, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 1972
Lot Size	0.24 acres (10,260 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,823 (2024)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-301-016-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-301-016-000`
Alternative APN	`07251330100200 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft
Basement Area	1,204 sqft
Unfinished Basement	1,204 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Lot Area	10,260 sqft (0.24 acres)
Garage Type	Carport
Carport	Carport
Driveway	Asphalt Driveway
Driveway Area	494 sqft

Exterior Amenities

Porch	Slab
Porch Area	252 sqft
Deck Area	84 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	433 JANICE DR
City	WATERLOO
State	IL
Zip	62298-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 SUNSET ACRES 2ND ADDN 0216656
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	44
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3000
Census Tract	600501

Owner

Source: Monroe County records · APN 07-25-301-016-000

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	2 Individual Names on File
Mailing Address	433 JANICE DR, WATERLOO, IL 62298-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit FIRST MIDAMERICA CU
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Sep 16, 2020	Deed of Trust, Mortgage · Line of Credit STATE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	433 JANICE DR, WATERLOO, IL 62298-1803
Transaction Type	Mortgage
Record Updated	Nov 08, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430924
Date	Oct 18, 2023
Instrument	430924

Lender

Name	FIRST MIDAMERICA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2038

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	433 JANICE DR, WATERLOO, IL 62298-1803
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000411285
Date	Sep 28, 2020
Instrument	411285

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2035

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	433 JANICE DR, WATERLOO, IL 62298-1803
Document Number	0000411511
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	433 JANICE DR WATERLOO IL 622981803, WATERLOO, IL 62298-1803

Mortgage

Document Number	0000411511
Date	Oct 06, 2020
Instrument	411511

Lender

Name	STATE BK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Term	120 Months
Due	Oct 05, 2030

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$62,200 (+14.34%) Land $16,500 Building $45,700	$186,600 (+14.34%) Land $49,500 Building $137,100
2024	$2,823.00
2022	Homeowner's exemption Additional exemption filed	$54,400 Land $15,220 Building $39,180	$163,200 Land $45,660 Building $117,540

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993, river or lake flooding, Severe Storms & Flooding
Claims By Storm	Severe Storms & Flooding, Aug 1993 · 8 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
HTC Holding	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
HTC Holding	DSL	100 / 20
Starlink	Satellite (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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