Monroe County property record for 634 James St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,868 sqft · built 1973 |
| Lot Size | 0.294 acres (12,828 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $4,269 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-402-002-000 |
| Primary APN | 07-24-402-002-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| 1st Floor Area | 1,868 sqft |
| Basement Area | 529 sqft |
| Unfinished Basement | 529 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 12,828 sqft (0.294 acres) |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 160 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 478 sqft |
| Patio Area | 270 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 634 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 12 & PART LOT 13 MEADOWBROOK HEIGHTS |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | MEADOWBROOK HEIGHTS 01 |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 600401 |
Source: Monroe County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 634 JAMES ST, WATERLOO, IL 62298-1037 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Aug 19, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 19, 2026 |
| Property Address | 634 JAMES ST, WATERLOO, IL 62298-1037 |
| Document Number | 0000444012 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 2026444012 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 634 JAMES ST, WATERLOO, IL 62298-1037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 634 JAMES ST, WATERLOO, IL 62298-1037 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000419489 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 419489 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $4,269.00 (-2.56%) | $80,510 (+27.37%) Land $15,240 Building $65,270 | $241,530 (+27.37%) Land $45,720 Building $195,810 |
| 2024 | $4,381.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $63,210 Land $13,050 Building $50,160 | $189,630 Land $39,150 Building $150,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 126 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 |
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: ClearWave, Wisper ISP.
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