509 Paul Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 509 Paul Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,599 sqft · built 1986
Lot Size	0.23 acres (9,862 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Apr 2026)
Tax Bill	$4,524 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-382-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-382-004-000`
Alternative APN	`07251830300500 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,599 sqft Living Area
1st Floor Area	1,599 sqft
Basement Area	1,599 sqft
Unfinished Basement	1,599 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	9,862 sqft (0.23 acres)
Garage Area	483 sqft
Driveway	Concrete Driveway
Driveway Area	646 sqft
Porch	Slab
Porch Area	84 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	509 PAUL DR
City	WATERLOO
State	IL
Zip	62298-1478
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 53 LAKEVIEW ESTATES 3RD ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	53
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4008
Census Tract	600501

Owner

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	509 PAUL DR, WATERLOO, IL 62298-1478
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Deed Document Number	2026442065
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 10, 2026
Property Address	509 PAUL DR, WATERLOO, IL 62298-1478
Document Number	0000442065
Instrument Date	Apr 10, 2026
Instrument	2026442065
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	509 PAUL DR, WATERLOO, IL 62298-1478

Mortgage

Document Number	0000442065,
Date	Apr 10, 2026
Instrument	2026442065

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.55%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$4,524.00 Homeowner's exemption	$84,690 (+5.06%) Land $16,440 Building $68,250	$254,070 (+5.06%) Land $49,320 Building $204,750
2024	$4,524.00	$80,613 (+18.65%) Land $16,106 Building $64,507	$241,839 (+18.65%) Land $48,318 Building $193,521
2022	Homeowner's exemption Additional exemption filed	$67,940 Land $15,190 Building $52,750	$203,820 Land $45,570 Building $158,250

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

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 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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