610 Paula Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 610 Paula Dr, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 1,948 sqft · built 1984
Lot Size	0.42 acres (18,324 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,000 (Sep 2020)
Tax Bill	$4,189 (2025)
Deeds & Mortgages	Aug 2021 Transfer Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-317-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-317-013-000`
Alternative APN	`07251330601200 00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,948 sqft Living Area
1st Floor Area	1,948 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	Raised
Lot Area	18,324 sqft (0.42 acres)
Driveway	Concrete Driveway
Driveway Area	378 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	610 PAULA DR
City	WATERLOO
State	IL
Zip	62298-1807
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WR5
Legal Description	LOT 94 SUNSET ACRES 3RD ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	94
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3000
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	2 Individual Names on Record
Mailing Address	4566 G RD, WATERLOO, IL 62298-3810
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Intrafamily Transfer, Transfer ACCENT TITLE
Sep 25, 2020	Deed, Transfer · FHA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Deed Document Number	2020411252
Last Transfer Date	Aug 17, 2021
Transfer Doc	0000419141
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Aug 18, 2021
Property Address	610 PAULA DR, WATERLOO, IL 62298-1807
Document Number	0000419141
Instrument Date	Aug 17, 2021
Instrument	419141
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	610 PAULA DR, WATERLOO, IL 62298-1807

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Sep 25, 2020
Property Address	610 PAULA DR, WATERLOO, IL 62298-1807
Document Number	0000411252
Instrument Date	Sep 18, 2020
Instrument	411252
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
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	610 PAULA DR, WATERLOO, IL 62298-1807

Mortgage

Document Number	0000411253
Date	Sep 25, 2020
Instrument	411253

Lender

Name	GUARANTEED RATE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	2.75%

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	$4,189.00 (+10.09%)	$68,660 (+23.78%) Land $17,750 Building $50,910	$205,980 (+23.78%) Land $53,250 Building $152,730
2024	$3,805.00
2022		$55,470 Land $15,980 Building $39,490	$166,410 Land $47,940 Building $118,470

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 · 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

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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