Monroe County property record for 609 James St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1972 |
| Square Footage | 1,108 sqft Living Area |
| Lot Size | 12,724 sqft (0.29 acres) |
| Garage | 416 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,907.00 (2024) |
| Primary APN | 07-24-401-011-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Building Area | 1,108 sqft Living Area |
| 1st Floor | 1,108 sqft 1st Floor |
| Basement Area | 1,108 sqft Basement |
| Unfinished Basement | 1,108 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 12,724 sqft (0.29 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 100 sqft Driveway |
| Garage Area | 416 sqft Garage |
| Patio Area | 256 sqft Patio |
| Porch Area | 44 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 609 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1038 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 34 MEADOWBROOK HEIGHTS |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | MEADOWBROOK HEIGHTS 1 |
| Legal Lot Number | 34 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 16 |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-401-011-000
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 | 609 JAMES ST, WATERLOO, IL 62298-1038 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 09, 2025 |
| Transfer Doc | 0000437930 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 609 JAMES ST, WATERLOO, IL 62298-1038 |
| Document Number | 0000405068 |
| Instrument Date | Nov 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 609 JAMES ST WATERLOO IL 622981038, WATERLOO, IL 62298-1038 |
| Document Number | 0000405068 |
|---|---|
| Date | Dec 05, 2019 |
| Instrument | 405068 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 04, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
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 | $64,080 (+15.36%) Land $16,840 Building $47,240 | $192,240 (+15.36%) Land $50,520 Building $141,720 | |
| 2024 | $2,907.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $55,550 Land $15,450 Building $40,100 | $166,650 Land $46,350 Building $120,300 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 3% of the US · above 21% of Illinois |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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