Monroe County property record for 613 James St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,395 sqft · built 1962 |
| Lot Size | 0.29 acres (12,724 sqft) |
| Owner | Company Name on File |
| Last Sale | $185,000 (Sep 2022) |
| Tax Bill | $3,500 (2024) |
| Deeds & Mortgages | Jan 2023 Mortgage Sep 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-401-010-000 |
| Primary APN | 07-24-401-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,395 sqft Living Area |
| 1st Floor Area | 1,395 sqft |
| Basement Area | 1,395 sqft |
| Unfinished Basement | 1,395 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 12,724 sqft (0.29 acres) |
| Garage Area | 350 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 112 sqft |
| Porch | Porch |
| Porch Area | 135 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 613 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 MEADOWBROOK HEIGHTS |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | MEADOWBROOK HEIGHTS NO 1 |
| Legal Lot Number | 33 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-401-010-000
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 | Company Name on File |
|---|---|
| Mailing Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Sep 27, 2022 | Warranty Deed, Transfer · Line of Credit STATE BANK |
| Jun 14, 2021 | Deed, Transfer · Conventional Mortgage BUENA VISTA NATIONAL BANK |
| Nov 19, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 27, 2022 · Amount on Record |
| Deed Sale | Sep 27, 2022 · Amount on Record |
| Prior Sale | Jun 14, 2021 · Amount on Record |
| Deed Document Number | 2022426251 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000427707 |
|---|---|
| Date | Jan 24, 2023 |
| Instrument | 427707 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 10, 2043 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.14% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 27, 2022 |
| Property Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Document Number | 0000426251 |
| Map Reference | MB C PG 32 |
| Instrument Date | Sep 22, 2022 |
| Instrument | 426251 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $277.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 S LIBRARY ST, 414, WATERLOO, IL 62298-1433 |
| Name | Verified Name |
|---|---|
| Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Document Number | 0000426252 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 426252 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 17, 2023 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.29% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 14, 2021 |
| Property Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Document Number | 0000417818 |
| Instrument Date | Jun 14, 2021 |
| Instrument | 417818 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Document Number | 0000417819 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 417819 |
| Name | BUENA VISTA NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 19, 2019 |
| Property Address | 613 JAMES ST, WATERLOO, IL 62298-1038 |
| Document Number | 0000404858 |
| Instrument Date | Nov 19, 2019 |
| Instrument | 404858 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 711 JAMES ST WATERLOO IL 622981040, WATERLOO, IL 62298-1040 |
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 | $61,670 (-5.31%) Land $15,580 Building $46,090 | $185,010 (-5.31%) Land $46,740 Building $138,270 | |
| 2024 | $3,500.00 | $65,130 (+11.6%) Land $16,454 Building $48,676 | $195,390 (+11.6%) Land $49,362 Building $146,028 |
| 2022 | Additional exemption filed | $58,360 Land $15,450 Building $42,910 | $175,080 Land $46,350 Building $128,730 |
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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| HTC Holding | DSL | 100 / 20 |
May also be available at this address: Wisper ISP, HTC Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.
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