604 Stiening St, Waterloo, IL 62298 Property Records

Monroe County property record for 604 Stiening St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 884 sqft · built 1956
Lot Size	0.21 acres (9,229 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2020)
Tax Bill	$2,343 (2025)
Deeds & Mortgages	Dec 2022 Sale Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-405-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-405-010-000`
Alternative APN	`07251540500200 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	9,229 sqft (0.21 acres)
Lot Dimensions	145 ft deep x 65 ft wide
Garage Type	Mixed
Garage Area	768 sqft
Driveway	Concrete Driveway
Driveway Area	923 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	604 STIENING ST
City	WATERLOO
State	IL
Zip	62298-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOTS 40A & 40D SOUTH OUTLOTS SEC 25
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	CITY OF WATERLOO
Legal Lot Number	40A,40D
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4012
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	Individual Name on Record
Mailing Address	604 STIENING ST, WATERLOO, IL 62298-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Beneficiary Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 28, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
Jun 3, 2019	Warranty Deed, Transfer ACCENT TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Jun 3, 2019 · Amount on Record
Deed Document Number	2020411329
Last Transfer Date	Dec 1, 2022
Transfer Doc	0000427172
Record Updated	Oct 29, 2026

December 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MONROE IL
Recording Date	Dec 2, 2022
Property Address	604 STIENING ST, WATERLOO, IL 62298-1454
Document Number	0000427172
Instrument Date	Dec 1, 2022
Instrument	427172
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	833 N MAIN ST, COLUMBIA, IL 62236-1436

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 28, 2020
Property Address	604 STIENING ST, WATERLOO, IL 62298-1454
Document Number	0000411329
Instrument Date	Sep 28, 2020
Instrument	411329
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 STIENING ST, WATERLOO, IL 62298-1454

Mortgage

Document Number	0000411330
Date	Sep 28, 2020
Instrument	411330

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 3, 2019
Property Address	604 STIENING ST, WATERLOO, IL 62298-1454
Document Number	0000401748
Instrument Date	May 31, 2019
Instrument	401748
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$207.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	604 STIENING ST WATERLOO IL 622981454, WATERLOO, IL 62298-1454

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	$2,343.00 (-1.14%) Homeowner's exemption Senior Citizen's exemption	$66,140 (+26.17%) Land $16,360 Building $49,780	$198,420 (+26.17%) Land $49,080 Building $149,340
2024	$2,370.00
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$52,420 Land $15,140 Building $37,280	$157,260 Land $45,420 Building $111,840

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Not rated no burnable land within 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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