Monroe County property record for 5 Dwight St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,895 sqft · built 1989 |
| Lot Size | 0.31 acres (13,317 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (May 2026) |
| Tax Bill | $1,390 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-13-149-010-000 |
| Primary APN | 07-13-149-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,895 sqft Living Area |
| 1st Floor Area | 1,895 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 13,317 sqft (0.31 acres) |
| Garage Type | Mixed |
| Garage Area | 432 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 150 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 112 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5 DWIGHT ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 88 & PART LOT 89 LOU DEL 4TH ADDN 0147280 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | LOU DEL |
| Legal Lot Number | 88 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 600402 |
5 Dwight St is owned and occupied by an individual who bought it in May 2026.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 VICTOR ST, WATERLOO, IL 62298-5532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on File |
| Deed Sale | May 11, 2026 · Amount on File |
| Deed Document Number | 2026442486 |
| Prior Transfer Date | May 8, 2026 |
| Prior Transfer Doc | 0000442486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 11, 2026 |
| Property Address | 5 DWIGHT ST, WATERLOO, IL 62298-5539 |
| Document Number | 0000442486 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026442486 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $37,875.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14 VICTOR ST, WATERLOO, IL 62298-5532 |
| Document Number | 0000442486, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026442486 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 5 Dwight St was $1,390 with exemptions applied.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,390.00 Homeowner's exemption Senior Citizen's exemption | $91,520 (+4.9%) Land $16,840 Building $74,680 | $274,560 (+4.9%) Land $50,520 Building $224,040 |
| 2024 | $1,390.00 | $87,244 Land $16,454 Building $70,790 | $261,732 Land $49,362 Building $212,370 |
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $73,630 Land $15,460 Building $58,170 | $220,890 Land $46,380 Building $174,510 |
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.
FEMA maps place 5 Dwight St in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 5 Dwight St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: ClearWave, Wisper ISP.
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