Monroe County property record for 515 Paul Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,260 sqft · built 1986 |
| Lot Size | 0.25 acres (10,749 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $305,000 (May 2023) |
| Tax Bill | $5,934 (2024) |
| Deeds & Mortgages | Jan 2026 Transfer May 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-382-007-000 |
| Primary APN | 07-25-382-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Building Perimeter |
| 1st Floor Area | 952 sqft |
| Basement Area | 651 sqft |
| Unfinished Basement | 651 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Lot Area | 10,749 sqft (0.25 acres) |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 561 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 204 sqft |
| Patio Area | 351 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 515 PAUL DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 50 LAKEVIEW ESTATES 3RD ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LAKEVIEW ESTATES |
| Legal Lot Number | 50 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 600501 |
Source: Monroe County records · APN 07-25-382-007-000
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 Record | 2 Company Names on File |
|---|---|
| Mailing Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 26, 2026 | Intrafamily Transfer, Transfer |
| May 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK |
| Jan 25, 2023 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE |
| Jun 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Mar 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2023 · Amount on Record |
| Deed Sale | May 22, 2023 · Amount on Record |
| Deed Document Number | 2023429088 |
| Last Transfer Date | Jan 12, 2026 |
| Transfer Doc | 0000440993 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 26, 2026 |
| Property Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Document Number | 0000440993 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 440993 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 22, 2023 |
| Property Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Document Number | 0000429088 |
| Instrument Date | May 19, 2023 |
| Instrument | 429088 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $457.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1527 LAKEVIEW DR, WATERLOO, IL 62298-2737 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Document Number | 0000429089 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 429089 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000427726 |
|---|---|
| Date | Jan 25, 2023 |
| Instrument | 427726 |
| Name | BANK OF BELLEVILLE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Document Number | 0000409184 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2020 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 515 PAUL DR WATERLOO IL 622981470, WATERLOO, IL 62298-1470 |
| Document Number | 0000409184 |
|---|---|
| Date | Jul 01, 2020 |
| Instrument | 409184 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 30, 2035 |
| Rate | 2.37% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 515 PAUL DR, WATERLOO, IL 62298-1470 |
| Document Number | 0000395026 |
| Instrument Date | Mar 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2018 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 515 PAUL DR WATERLOO IL 622981470, WATERLOO, IL 62298-1470 |
| Document Number | 0000395026 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 395026 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2048 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $104,340 (-1.8%) Land $16,550 Building $87,790 | $313,020 (-1.8%) Land $49,650 Building $263,370 | |
| 2024 | $5,934.00 Additional exemption filed | $106,254 (+31.49%) Land $16,232 Building $90,022 | $318,762 (+31.49%) Land $48,696 Building $270,066 |
| 2022 | Additional exemption filed | $80,810 Land $15,260 Building $65,550 | $242,430 Land $45,780 Building $196,650 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Based on FCC filings for 315 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 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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