601 James St, Waterloo, IL 62298 Property Records

Monroe County property record for 601 James St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,080 sqft · built 1972
Lot Size	0.28 acres (12,035 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jun 2018)
Tax Bill	$4,070 (2024)
Deeds & Mortgages	Jan 2023 Transfer Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-401-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-401-013-000`
Alternative APN	`07241540100100 00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	1,080 sqft Building Perimeter
1st Floor Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Lot Area	12,035 sqft (0.28 acres)
Garage Area	484 sqft
Driveway	Asphalt Driveway
Driveway Area	880 sqft

Exterior Amenities

Deck Area	280 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	601 JAMES ST
City	WATERLOO
State	IL
Zip	62298-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 36 MEADOWBROOK HEIGHTS
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	MEADOWBROOK HTS NO 1
Legal Lot Number	36
Jurisdiction	MONROE IL
Township / Civil Division	16
Census Block Group	3
Census Block	3000
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	601 JAMES ST, WATERLOO, IL 62298-1038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Intrafamily Transfer, Transfer
Sep 5, 2019	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Jun 5, 2018	Grant Deed, Transfer · VA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2018 · Amount on Record
Deed Sale	Jun 5, 2018 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	2018396258
Last Transfer Date	Oct 13, 2022
Transfer Doc	0000427703
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Jan 23, 2023
Property Address	601 JAMES ST, WATERLOO, IL 62298-1038
Document Number	0000427703
Map Reference	MB C PG 32
Instrument Date	Oct 13, 2022
Instrument	427703
Transaction Type	Transfer
Record Updated	Feb 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 JAMES ST, WATERLOO, IL 62298-1038

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	601 JAMES ST, WATERLOO, IL 62298-1038
Document Number	0000403522
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	601 JAMES ST WATERLOO IL 622981038, WATERLOO, IL 62298-1038

Mortgage

Document Number	0000403522
Date	Sep 12, 2019
Instrument	403522

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jun 5, 2018
Property Address	601 JAMES ST, WATERLOO, IL 62298-1038
Document Number	0000396258
Instrument Date	Jun 1, 2018
Instrument	396258
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	601 JAMES ST WATERLOO IL 622981038, WATERLOO, IL 62298-1038

Mortgage

Document Number	396259
Date	Jun 5, 2018
Instrument	396259

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$77,650 (+33.37%) Land $16,740 Building $60,910	$232,950 (+33.37%) Land $50,220 Building $182,730
2024	$4,070.00
2022	Additional exemption filed	$58,220 Land $15,370 Building $42,850	$174,660 Land $46,110 Building $128,550

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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