608 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 608 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 912 sqft · built 1953
Lot Size	0.16 acres (7,173 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Sep 2023)
Tax Bill	$3,405 (2025)
Deeds & Mortgages	Sep 2023 Sale Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-303-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-303-002-000`
Alternative APN	`07251330301300 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Frame
Lot Area	7,173 sqft (0.16 acres)
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Driveway	Asphalt Driveway
Driveway Area	600 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	608 PARK ST
City	WATERLOO
State	IL
Zip	62298-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 2 SUNSET ACRES
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3000
Census Tract	600501

Owner

608 Park St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	608 PARK ST, WATERLOO, IL 62298-1806
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST INTEGRITY MORTGAGE SVCS
Oct 4, 2019	Deed of Trust, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on File
Deed Sale	Sep 29, 2023 · Amount on File
Prior Sale	Aug 2, 2021 · Amount on File
Deed Document Number	2023430723
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 29, 2023
Property Address	608 PARK ST, WATERLOO, IL 62298-1806
Document Number	0000430723
Map Reference	MB B PG 140
Instrument Date	Sep 29, 2023
Instrument	430723
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5405 DEER HILL RD, WATERLOO, IL 62298-6315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 PARK ST, WATERLOO, IL 62298-1806

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	608 PARK ST, WATERLOO, IL 62298-1806
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430058
Date	Aug 9, 2023
Instrument	430058

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 2, 2021
Property Address	608 PARK ST, WATERLOO, IL 62298-1806
Document Number	0000418800
Instrument Date	Jul 30, 2021
Instrument	418800
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 PARK ST, WATERLOO, IL 62298-1806

Mortgage

Document Number	0000418801
Date	Aug 2, 2021
Instrument	418801

Lender

Name	FIRST INTEGRITY MORTGAGE SVCS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000418802
Date	Aug 2, 2021
Instrument	418802

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	608 PARK ST, WATERLOO, IL 62298-1806
Document Number	0000404011
Instrument Date	Oct 4, 2019
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 PARK ST WATERLOO IL 622981806, WATERLOO, IL 62298-1806

Mortgage

Document Number	0000404011
Date	Oct 7, 2019
Instrument	404011

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 608 Park St was $3,405, up 7.4% from the year before.

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	$3,405.00 (+7.41%)	$55,400 Land $16,030 Building $39,370	$166,200 Land $48,090 Building $118,110
2024	$3,170.00
2022		$44,030 (+7.89%) Land $14,930 Building $29,100	$132,090 (+7.89%) Land $44,790 Building $87,300
2021		$40,810 Land $9,810 Building $31,000	$122,430 Land $29,430 Building $93,000

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

FEMA maps place 608 Park St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 608 Park St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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