Monroe County property record for 440 Monroe St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,647 sqft · built 1960 |
| Lot Size | 0.26 acres (11,206 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,000 (May 2018) |
| Tax Bill | $4,490 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage May 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-383-005-000 |
| Primary APN | 07-24-383-005-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,647 sqft Living Area |
| 1st Floor Area | 1,647 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Lot Area | 11,206 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Area | 300 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 720 sqft |
| Patio Area | 444 sqft |
| Shed | 1 Shed |
| Shed Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 440 MONROE ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 23B PAUTLER HEIGHTS #2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | PAUTLER HEIGHTS NO 2 |
| Legal Lot Number | 23B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-383-005-000
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 | 440 MONROE ST, WATERLOO, IL 62298-1120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE CO |
| May 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG |
| Jan 31, 2018 | Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 21, 2018 · Amount on Record |
| Deed Sale | May 21, 2018 · Amount on Record |
| Deed Document Number | 2018395990 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 440 MONROE ST, WATERLOO, IL 62298-1120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000407507 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 407507 |
| Name | ROUNDPOINT MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 01, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 21, 2018 |
| Property Address | 440 MONROE ST, WATERLOO, IL 62298-1120 |
| Document Number | 0000395990 |
| Instrument Date | May 18, 2018 |
| Instrument | 395990 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Title Company | NATIONWIDE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 MONROE ST WATERLOO IL 622981120, WATERLOO, IL 62298-1120 |
| Document Number | 395991 |
|---|---|
| Date | May 21, 2018 |
| Instrument | 395991 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2048 |
| Rate | 4.75% |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 31, 2018 |
| Property Address | 440 MONROE ST, WATERLOO, IL 62298-1120 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 394115 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 08, 2018 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC) |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 MONROE ST WATERLOO IL 622981120, WATERLOO, IL 62298-1120 |
| Document Number | 0000394115 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 394115 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $85,140 (+24.27%) Land $16,520 Building $68,620 | $255,420 (+24.27%) Land $49,560 Building $205,860 | |
| 2024 | $4,490.00 | ||
| 2022 | Additional exemption filed | $68,510 Land $15,260 Building $53,250 | $205,530 Land $45,780 Building $159,750 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 150 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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