439 Paul Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 439 Paul Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 1,546 sqft · built 1994
Lot Size	0.64 acres (27,878 sqft)
Owner	Company Name on Record
Tax Bill	$7,253 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-048-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-048-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	1,546 sqft Building Perimeter
1st Floor Area	1,258 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	27,878 sqft (0.64 acres)
Garage Area	768 sqft
Driveway	Concrete Driveway
Driveway Area	770 sqft
Porch	Slab
Porch Area	88 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	439 PAUL DR
City	WATERLOO
State	IL
Zip	62298-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 48 LAKEVIEW ESTATES WEST
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	48
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

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	Company Name on Record
Mailing Address	439 PAUL DR, WATERLOO, IL 62298-1825
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BK
Jul 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 13, 2018
Transfer Doc	0000397081
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	439 PAUL DR, WATERLOO, IL 62298-1825
Document Number	0000410632
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	439 PAUL DR WATERLOO IL 622981825, WATERLOO, IL 62298-1825

Mortgage

Document Number	0000410632
Date	Sep 1, 2020
Instrument	410632

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 31, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jul 25, 2018
Property Address	439 PAUL DR, WATERLOO, IL 62298-1825
Document Number	0000397081
Instrument Date	Jul 13, 2018
Instrument	397081
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	439 PAUL DR WATERLOO IL 622981825, WATERLOO, IL 62298-1825

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		$135,260 (+33.66%) Land $19,240 Building $116,020	$405,780 (+33.66%) Land $57,720 Building $348,060
2024	$7,253.00
2022	Additional exemption filed	$101,200 Land $16,910 Building $84,290	$303,600 Land $50,730 Building $252,870

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

Flood

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	Severe Storms & Flooding, Aug 1993 · 8 claims

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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 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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