Monroe County property record for 600 James St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,544 sqft · built 1970 |
| Lot Size | 0.3 acres (12,994 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,045 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-402-013-000 |
| Primary APN | 07-24-402-013-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,544 sqft Building Perimeter |
| 1st Floor Area | 1,544 sqft |
| Basement Area | 716 sqft |
| Unfinished Basement | 716 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 12,994 sqft (0.3 acres) |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 550 sqft |
| Patio Area | 405 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 600 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 1 & S 5 FT LOT 2 MEADOWBROOK HEIGHTS |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | MEADOWBROOK HEIGHTS 01 |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-402-013-000
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 | 600 JAMES ST, WATERLOO, IL 62298-1037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 600 JAMES ST, WATERLOO, IL 62298-1037 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000424239 |
|---|---|
| Date | May 13, 2022 |
| Instrument | 424239 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 15, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 600 JAMES ST, WATERLOO, IL 62298-1037 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000414856 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 414856 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
| Rate Type | Fixed 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 | $89,550 (+62.46%) Land $16,840 Building $72,710 | $268,650 (+62.46%) Land $50,520 Building $218,130 | |
| 2024 | $5,045.00 | ||
| 2022 | Additional exemption filed | $55,120 Land $15,450 Building $39,670 | $165,360 Land $46,350 Building $119,010 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 212 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL1330300, 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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