Monroe County property record for 520 Paul Dr, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,352 sqft · built 1987 |
| Lot Size | 0.22 acres (9,371 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $282,000 (Mar 2026) |
| Tax Bill | $3,920 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-382-026-000 |
| Primary APN | 07-25-382-026-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Basement Area | 1,352 sqft |
| Unfinished Basement | 1,352 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Lot Area | 9,371 sqft (0.22 acres) |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 240 sqft |
| Deck Area | 140 sqft |
| Patio Area | 702 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 520 PAUL DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 43 LAKEVIEW ESTATES 2ND ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LAKEVIEW ESTATES |
| Legal Lot Number | 43 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 600501 |
Source: Monroe County records · APN 07-25-382-026-000
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 Individual Names on File |
|---|---|
| Mailing Address | 520 PAUL DR, WATERLOO, IL 62298-1469 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Mar 26, 2026 | Deed, Transfer · Conventional Mortgage STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 26, 2026 · Amount on Record |
| Deed Sale | Mar 26, 2026 · Amount on Record |
| Deed Document Number | 2026441838 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 520 PAUL DR, WATERLOO, IL 62298-1469 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441859 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 441859 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 26, 2026 |
| Property Address | 520 PAUL DR, WATERLOO, IL 62298-1469 |
| Document Number | 0000441838 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 441838 |
| Transaction Type | Transfer |
| Record Updated | Apr 08, 2026 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $423.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 520 PAUL DR, WATERLOO, IL 62298-1469 |
| Document Number | 0000441839 |
|---|---|
| Date | Mar 26, 2026 |
| Instrument | 441839 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Document Number | 0000441834 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 441834 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $80,880 (+4.72%) Land $16,360 Building $64,520 | $242,640 (+4.72%) Land $49,080 Building $193,560 | |
| 2024 | $3,920.00 | $77,233 (+18.11%) Land $16,053 Building $61,180 | $231,699 (+18.11%) Land $48,159 Building $183,540 |
| 2022 | Homeowner's exemption Additional exemption filed | $65,390 Land $15,140 Building $50,250 | $196,170 Land $45,420 Building $150,750 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 315 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| HTC Holding | Fiber | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| HTC Holding | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.
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