508 Stiening St, Waterloo, IL 62298 Property Records

Monroe County property record for 508 Stiening St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 840 sqft · built 1946
Lot Size	0.126 acres (5,493 sqft)
Owner	2 Trust Names on File
Last Sale	$190,000 (May 2026)
Tax Bill	$2,949 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-404-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-404-013-000`
Alternative APN	`07251540400400 00`

Interior

Bedrooms	2 Beds
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Frame
Lot Area	5,493 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide
Garage Area	240 sqft
Driveway	Asphalt Driveway
Driveway Area	225 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	324 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	508 STIENING ST
City	WATERLOO
State	IL
Zip	62298-1452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 8B & 9B ROSE & OMELVENEYS ADDN 0194076
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	8B,9B
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4013
Census Tract	600501

Owner

508 Stiening St is owner-occupied and held in a trust since May 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	508 STIENING ST, WATERLOO, IL 62298-1452
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Aug 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 8, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Jun 14, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Prior Sale	Jun 14, 2022 · Amount on File
Deed Document Number	2026442465
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Aug 24, 2026
Property Address	508 STIENING ST, WATERLOO, IL 62298-1452
Document Number	0000444083
Instrument Date	Aug 20, 2026
Instrument	2026444083
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	508 STIENING ST, WATERLOO, IL 62298-1452

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 8, 2026
Property Address	508 STIENING ST, WATERLOO, IL 62298-1452
Document Number	0000442465
Instrument Date	May 8, 2026
Instrument	2026.442465
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000442466,
Date	May 8, 2026
Instrument	2026.442466

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 14, 2022
Property Address	508 STIENING ST, WATERLOO, IL 62298-1452
Document Number	0000424706
Map Reference	MB A PG 27
Instrument Date	Jun 10, 2022
Instrument	424706
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Tax	$15.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6527 BOEHNE DRIVE WEST FRK, 6527, WATERLOO, IL 62298-4920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 STIENING ST, WATERLOO, IL 62298-1452

Mortgage

Document Number	0000424707
Date	Jun 14, 2022
Instrument	424707

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 508 Stiening St was $2,949, up 2.8% 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	$2,949.00 (+2.79%)	$54,090 (-0.72%) Land $15,750 Building $38,340	$162,270 (-0.72%) Land $47,250 Building $115,020
2024	$2,869.00	$54,484 Land $15,546 Building $38,938	$163,452 Land $46,638 Building $116,814
2022	Additional exemption filed	$45,570 Land $14,760 Building $30,810	$136,710 Land $44,280 Building $92,430

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 508 Stiening St in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 508 Stiening 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.

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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