Monroe County property record for 503 Stiening St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 832 sqft · built 1953 |
| Lot Size | 0.1 acres (4,300 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,573 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-401-005-000 |
| Primary APN | 07-25-401-005-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Frame |
| Lot Area | 4,300 sqft (0.1 acres) |
| Lot Dimensions | 100 ft deep x 56 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Asphalt Driveway |
| Driveway Area | 494 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 503 STIENING ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 1JA |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | WEST OUTLOTS |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 600501 |
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 503 STIENING ST, WATERLOO, IL 62298-1453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2022 | Deed of Trust, Mortgage · Line of Credit SCOTT CU |
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 503 STIENING ST, WATERLOO, IL 62298-1453 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000426882 |
|---|---|
| Date | Nov 9, 2022 |
| Instrument | 426882 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 8, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 503 STIENING ST, WATERLOO, IL 62298-1453 |
| Document Number | 0000404310 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 503 STIENING ST WATERLOO IL 622981453, WATERLOO, IL 62298-1453 |
| Document Number | 0000404310 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 404310 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 21, 2039 |
| Rate | 4.37% |
|---|
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 | $2,573.00 (+8.89%) Homeowner's exemption | $52,720 (+26.46%) Land $15,730 Building $36,990 | $158,160 (+26.46%) Land $47,190 Building $110,970 |
| 2024 | $2,363.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $41,690 Land $14,750 Building $26,940 | $125,070 Land $44,250 Building $80,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 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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