521 Paul Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 521 Paul Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,504 sqft · built 1984
Lot Size	0.24 acres (10,491 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,691 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-382-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-382-010-000`
Alternative APN	`07251830201200 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	1,504 sqft
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	10,491 sqft (0.24 acres)
Garage Area	640 sqft
Driveway	Concrete Driveway
Driveway Area	756 sqft
Porch	Slab
Porch Area	147 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	521 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 40 LAKEVIEW ESTATES 2ND ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	40
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	521 PAUL DR, WATERLOO, IL 62298-1470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	521 PAUL DR, WATERLOO, IL 62298-1470
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000429762
Date	Jul 13, 2023
Instrument	429762

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 28, 2033

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	521 PAUL DR, WATERLOO, IL 62298-1470
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000429707
Date	Jul 5, 2023
Instrument	429707

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	108 Months
Due	Jun 28, 2032

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	521 PAUL DR, WATERLOO, IL 62298-1470
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402330
Date	Jul 8, 2019
Instrument	402330

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 26, 2029

Interest

Rate Type	Fixed Rate

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	$4,691.00 (+8.94%) Homeowner's exemption	$82,630 (+24.27%) Land $16,570 Building $66,060	$247,890 (+24.27%) Land $49,710 Building $198,180
2024	$4,306.00
2022	Additional exemption filed	$66,490 Land $15,250 Building $51,240	$199,470 Land $45,750 Building $153,720

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
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 99.1% of the US · lower than 94% 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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