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509 Stiening St, Waterloo, IL 62298 Property Records

Monroe County property record for 509 Stiening St, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 966 sqft · built 1862
Lot Size0.96 acres (41,818 sqft)
Owner2 Individual Names on File
Last Sale$235,000 (Apr 2021)
Tax Bill$4,222 (2024)
Deeds & MortgagesApr 2021 Sale & Mortgage
Jan 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN07-25-401-008-000

Property Details

APN / Parcel Number

Primary APN07-25-401-008-000
Alternative APN
  • 07251540601800 00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories2 Stories
Building Area966 sqft Building Perimeter
1st Floor Area966 sqft
Basement Area342 sqft
Unfinished Basement342 sqft

Exterior

Year BuiltBuilt 1862
Effective Year BuiltEffective 1862
Construction TypeFrame
Foundation TypeNo Foundation
Lot Area41,818 sqft (0.96 acres)
Lot Dimensions127 ft deep x 82 ft wide
Garage Area624 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area112 sqft
Deck Area112 sqft
Patio Area112 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address509 STIENING ST
CityWATERLOO
StateIL
Zip62298-1453
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR3
Legal DescriptionTAX LOTS 1BC, 1BA & 1BB
Legal Range10W
Legal Township02S
Legal Section25
Legal SubdivisionWEST OUTLOTS
Legal Lot Number1
JurisdictionMONROE IL
Township / Civil Division18
Census Block Group4
Census Block4006
Census Tract600501

Owner

Source: Monroe County records · APN 07-25-401-008-000

Assessment roll updated August 29, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address509 STIENING ST, WATERLOO, IL 62298-1453
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2021Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Jan 23, 2017Deed of Trust, Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 28, 2021 · Amount on Record
Deed SaleApr 28, 2021 · Amount on Record
Deed Document Number2021416737
Record UpdatedSep 20, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateApr 28, 2021
Property Address509 STIENING ST, WATERLOO, IL 62298-1453
Document Number0000416737
Instrument DateApr 20, 2021
Instrument416737
Transaction TypeTransfer
Record UpdatedJun 02, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$352.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address509 STIENING ST, WATERLOO, IL 62298-1453

Mortgage

Document Number0000416738
DateApr 28, 2021
Instrument416738
Lender
NameMORTGAGE RESEARCH CENTER LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address509 STIENING ST, WATERLOO, IL 62298-1453
Document Number0000388233
Instrument DateJan 23, 2017
Transaction TypeMortgage
Record UpdatedMar 24, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address509 STIENING ST WATERLOO IL 622981453, WATERLOO, IL 62298-1453

Mortgage

Document Number0000388233
DateFeb 08, 2017
Instrument388233
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
AmountAmount Recorded
Term240 Months
DueFeb 07, 2037

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$78,820 (+19.1%) Land $21,470 Building $57,350$236,460 (+19.1%) Land $64,410 Building $172,050
2024$4,222.00
2022$66,180 Land $18,260 Building $47,920$198,540 Land $54,780 Building $143,760

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 315 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
HTC Holding
Fiber · DSL		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Wisper ISP.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemWATERLOO
serves 10,190 people
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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