Monroe County property record for 602 James St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,345 sqft · built 1974 |
| Lot Size | 0.28 acres (12,135 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,000 (May 2024) |
| Tax Bill | $3,414 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-402-012-000 |
| Primary APN | 07-24-402-012-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Building Area | 1,345 sqft Building Perimeter |
| 1st Floor Area | 1,345 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Lot Area | 12,135 sqft (0.28 acres) |
| Garage Type | Built-in |
| Garage Area | 676 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 756 sqft |
| Deck Area | 360 sqft |
|---|---|
| Patio Area | 130 sqft |
| Shed | 1 Shed |
| Shed Area | 121 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 602 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | PART LOT 2 MEADOWBROOK HEIGHTS |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | MEADOWBROOK HEIGHTS |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-402-012-000
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 | 602 JAMES ST, WATERLOO, IL 62298-1037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2024 · Amount on Record |
| Deed Sale | May 10, 2024 · Amount on Record |
| Deed Document Number | 2024433093 |
| Prior Transfer Date | Jul 25, 2017 |
| Prior Transfer Doc | 0000391124 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 602 JAMES ST, WATERLOO, IL 62298-1037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000409215 |
|---|---|
| Date | Jul 06, 2020 |
| Instrument | 409215 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 19, 2050 |
| 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 | $71,190 (+3.66%) Land $16,740 Building $54,450 | $213,570 (+3.66%) Land $50,220 Building $163,350 | |
| 2024 | $3,414.00 | $68,678 (+26.04%) Land $16,359 Building $52,319 | $206,034 (+26.04%) Land $49,077 Building $156,957 |
| 2022 | Homeowner's exemption Additional exemption filed | $54,490 Land $15,370 Building $39,120 | $163,470 Land $46,110 Building $117,360 |
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 |
| 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 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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