5 Station W, Waterloo, IL 62298 Property Records

Monroe County property record for 5 Station W, Waterloo, IL 62298

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 672 sqft · built 1982
Owner	2 Individual Names on File
Last Sale	$165,000 (Mar 2026)
Tax Bill	$1,499 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-317-019-105`

Property Details

APN / Parcel Number

Primary APN	`07-25-317-019-105`
Alternative APN	`07-25-317-019-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Foundation Type	Slab (Mat/Raft)
Porch	Porch
Porch Area	240 sqft

Location & Zoning

Street Address	5 STATION W
City	WATERLOO
State	IL
Zip	62298-1823
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	WR5
Legal Description	LOT 99 UNIT 5 SUNSET ACRES 3RD ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	99
Legal Unit	5
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3000
Census Tract	600501

Owner

5 Station W, a condominium, is owned and occupied by two individuals who bought it in March 2026.

Source: Monroe County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2817 LAKESIDE DR, COLUMBIA, IL 62236-2682
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed, Transfer · Conventional Mortgage STATE BANK
May 31, 2019	Grant Deed, Transfer · Line of Credit STATE BK/WATERLOO
Mar 14, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2026 · Amount on File
Deed Sale	Mar 23, 2026 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Document Number	2026441764
Prior Transfer Date	Mar 11, 2019
Prior Transfer Doc	0000400354
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Mar 23, 2026
Property Address	5 STATION W, WATERLOO, IL 62298-1823
Document Number	0000441764
Map Reference	MB 139 PG 26
Instrument Date	Mar 20, 2026
Instrument	441764
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 LEGACY DR APT 52, 52, WATERLOO, IL 62298-1787

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2817 LAKESIDE DR, COLUMBIA, IL 62236-2682

Mortgage

Document Number	0000441765
Date	Mar 23, 2026
Instrument	441765

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	May 31, 2019
Property Address	5 STATION W, WATERLOO, IL 62298-1823
Document Number	0000401708
Instrument Date	May 30, 2019
Instrument	401708
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5 STATION W WATERLOO IL 622981823, WATERLOO, IL 62298-1823

Mortgage

Document Number	401709
Date	May 31, 2019
Instrument	401709

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.17%

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Mar 14, 2019
Property Address	5 STATION W, WATERLOO, IL 62298-1823
Document Number	0000400354
Instrument Date	Mar 11, 2019
Instrument	400354
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	523 MARY DR WATERLOO IL 622981401, WATERLOO, IL 62298-1401

Tax Assessment & Valuation

The 2025 property tax bill for 5 Station W was $1,499 with exemptions applied, down 31.3% from the year before.

Source: Monroe County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,499.00 (-31.3%) Homeowner's exemption	$45,910 (-4.08%) Land $3,330 Building $42,580	$137,730 (-4.08%) Land $9,990 Building $127,740
2024	$2,182.00	$47,863 Land $3,105 Building $44,758	$143,589 Land $9,315 Building $134,274
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$38,470 Land $2,940 Building $35,530	$115,410 Land $8,820 Building $106,590

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

FEMA maps place 5 Station W in Zone X, an area of minimal flood risk, though there have been 8 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 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

Wildfire risk around 5 Station W is low, with a 0.01% annual chance of 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.

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 315 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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