Monroe County property record for 608 Illinois Ave, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 864 sqft · built 1943 |
| Lot Size | 0.2 acres (8,845 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,448 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-135-009-000 |
| Primary APN | 07-25-135-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Construction Type | Frame |
| Lot Area | 8,845 sqft (0.2 acres) |
| Lot Dimensions | 148 ft deep x 60 ft wide |
| Garage Area | 480 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 944 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 608 ILLINOIS AVE |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | TOWN LOT 46J & 46N |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Lot Number | 46J,46N |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 600401 |
608 Illinois Ave is owned and occupied by an individual.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 608 ILLINOIS AVE, WATERLOO, IL 62298-1139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 2, 2017 | Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 21, 2026 |
| Property Address | 608 ILLINOIS AVE, WATERLOO, IL 62298-1139 |
| Document Number | 0000442662 |
| Instrument Date | May 16, 2026 |
| Instrument | 2026442662 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 608 ILLINOIS AVE, WATERLOO, IL 62298-1139 |
| Document Number | 0000442662, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 2026442662 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 608 ILLINOIS AVE, WATERLOO, IL 62298-1139 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000388549 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 388549 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 608 Illinois Ave was $3,448, up 2.9% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,448.00 (+2.89%) Homeowner's exemption | $62,270 Land $16,280 Building $45,990 | $186,810 Land $48,840 Building $137,970 |
| 2024 | $3,351.00 | ||
| 2022 | Additional exemption filed | $51,560 Land $15,100 Building $36,460 | $154,680 Land $45,300 Building $109,380 |
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.
FEMA maps place 608 Illinois Ave in Zone X, an area of minimal flood risk.
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.
The area around 608 Illinois Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 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: ClearWave, Wisper ISP.
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