Monroe County property record for 652 Hamacher St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 1,528 sqft · built 2003 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $233,000 (Sep 2020) |
| Tax Bill | $4,736 (2024) |
| Deeds & Mortgages | Jun 2022 Sale Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-417-012-102 |
| Primary APN | 08-19-417-012-102 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 598 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,332 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 652 HAMACHER ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1594 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR5 |
| Legal Description | UNIT B VILLA 6 LOT 12 EAST RIDGE 7 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 12 |
| Legal Unit | B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-19-417-012-102
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 | 652 HAMACHER ST, WATERLOO, IL 62298-1594 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2022 | Beneficiary Deed, Transfer |
| Sep 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage FCB BANKS |
| Jul 27, 2018 | Grant Deed, Transfer · Conventional Mortgage SCOTT CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2020 · Amount on Record |
| Deed Sale | Sep 29, 2020 · Amount on Record |
| Prior Sale | Jul 27, 2018 · Amount on Record |
| Last Transfer Date | Jun 09, 2022 |
| Transfer Doc | 0000424660 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 10, 2022 |
| Property Address | 652 HAMACHER ST, WATERLOO, IL 62298-1594 |
| Document Number | 0000424660 |
| Map Reference | DOC 283224 |
| Instrument Date | Jun 09, 2022 |
| Instrument | 424660 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 652 HAMACHER ST, WATERLOO, IL 62298-1594 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 29, 2020 |
| Property Address | 652 HAMACHER ST, WATERLOO, IL 62298-1594 |
| Document Number | 0000411366 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 411366 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $349.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 652 HAMACHER ST, WATERLOO, IL 62298-1594 |
| Document Number | 0000411367 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 411367 |
| Name | FCB BANKS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 27, 2018 |
| Property Address | 652 HAMACHER ST, WATERLOO, IL 62298-1594 |
| Document Number | 0000397116 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 397116 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2018 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $286.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 652 HAMACHER ST WATERLOO IL 622981594, WATERLOO, IL 62298-1594 |
| Document Number | 397117 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 397117 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
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 | $92,710 (+20.03%) Land $16,790 Building $75,920 | $278,130 (+20.03%) Land $50,370 Building $227,760 | |
| 2024 | $4,736.00 | ||
| 2022 | Disabled Person's exemption Veteran's exemption Additional exemption filed | $77,240 Land $15,410 Building $61,830 | $231,720 Land $46,230 Building $185,490 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| HTC Holding Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 42 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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