437 Monroe St, Waterloo, IL 62298 Property Records

Monroe County property record for 437 Monroe St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 962 sqft · built 1983
Lot Size	0.23 acres (10,191 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2021)
Tax Bill	$2,959 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-382-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-382-012-000`
Alternative APN	`07241830200401 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	962 sqft Living Area
1st Floor Area	962 sqft
Basement Area	962 sqft
Unfinished Basement	962 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	10,191 sqft (0.23 acres)
Lot Dimensions	142 ft deep x 70 ft wide
Garage Area	364 sqft
Driveway	Concrete Driveway
Driveway Area	360 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	437 MONROE ST
City	WATERLOO
State	IL
Zip	62298-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOT 11 PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HTS NO 2
Legal Lot Number	11
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3016
Census Tract	600401

Owner

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	Individual Name on Record
Mailing Address	437 MONROE ST, WATERLOO, IL 62298-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
May 8, 2018	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2021 · Amount on Record
Deed Sale	Mar 23, 2021 · Amount on Record
Prior Sale	Jul 11, 2018 · Amount on Record
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 23, 2021
Property Address	437 MONROE ST, WATERLOO, IL 62298-1121
Document Number	0000415729
Map Reference	MB A PG 193
Instrument Date	Mar 19, 2021
Instrument	415729
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 MONROE ST, WATERLOO, IL 62298-1121

Mortgage

Document Number	0000415730
Date	Mar 23, 2021
Instrument	415730

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.5%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	437 MONROE ST, WATERLOO, IL 62298-1121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402609
Date	Jul 23, 2019
Instrument	402609

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	437 MONROE ST, WATERLOO, IL 62298-1121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412564
Date	Nov 17, 2020
Instrument	412564

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 11, 2018
Property Address	437 MONROE ST, WATERLOO, IL 62298-1121
Document Number	0000396849
Instrument Date	Jul 2, 2018
Instrument	396849
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 MONROE ST, WATERLOO, IL 62298-1121

Mortgage

Document Number	0000396850
Date	Jul 11, 2018
Instrument	396850

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	May 8, 2018
Property Address	437 MONROE ST, WATERLOO, IL 62298-1121
Document Number	0000395769
Instrument Date	May 4, 2018
Instrument	395769
Transaction Type	Foreclosure
Record Updated	Jun 26, 2018

Transaction

Amount	Amount Recorded
Tax	$102.75
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8535 HIGH MDWS COLUMBIA IL 622363368, COLUMBIA, IL 62236-3368

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$58,670 (+85.31%) Land $16,430 Building $42,240	$176,010 (+85.31%) Land $49,290 Building $126,720
2024	$2,959.00
2022	Additional exemption filed	$31,660 Land $9,140 Building $22,520	$94,980 Land $27,420 Building $67,560

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.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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