700 Prairie Pl, Waterloo, IL 62298 Property Records

Monroe County property record for 700 Prairie Pl, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,030 sqft · built 2023
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Jul 2026)
Tax Bill	$5,249 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-150-016-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-150-016-000`

Interior

Bedrooms	3 Beds
Building Area	2,030 sqft Living Area
1st Floor Area	2,030 sqft
Basement Area	2,030 sqft
Unfinished Basement	2,030 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1208 KIRK LN
City	WATERLOO
State	IL
Zip	62298-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 16 REMINGTON RIDGE PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	16
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4021
Census Tract	600401

Owner

700 Prairie Pl is owned and occupied by two individuals who bought it in July 2026.

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1208 KIRK LN, WATERLOO, IL 62298-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE
Jun 23, 2022	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS COMMUNITY BANK
Jan 31, 2023	Warranty Deed, Construction Loan · Construction Mortgage GUARANTEED RATE INC
Dec 3, 2020	Loan Modification, Mortgage CITIZENS CMNTY BK
Dec 6, 2019	Warranty Deed, Transfer · Commercial Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on File
Deed Sale	Jul 20, 2026 · Amount on File
Prior Sale	Aug 23, 2024 · Amount on File
Deed Document Number	2026443560
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 20, 2026
Property Address	700 PRAIRIE PL, WATERLOO, IL 62298
Document Number	0000443560
Instrument Date	Jul 20, 2026
Instrument	2026443560
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,082.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000443561,
Date	Jul 20, 2026
Instrument	2026443561

Lender

Name	GUARANTEED RATE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	700 PRAIRIE PL, WATERLOO, IL 62298-3384
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424853
Date	Jun 23, 2022
Instrument	424853

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 21, 2023

Interest

Rate Type	Fixed Rate

January 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 31, 2023
Property Address	700 PRAIRIE PL, WATERLOO, IL 62298-3384
Document Number	0000427773
Map Reference	DOC 394932
Instrument Date	Jan 30, 2023
Instrument	427773
Transaction Type	Construction Loan
Record Updated	Nov 13, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$667.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	210 STANHOPE LN, COLUMBIA, IL 62236-3420

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1208 KIRK LN, WATERLOO, IL 62298-1902

Mortgage

Document Number	0000427774
Date	Jan 31, 2023
Instrument	427774

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	700 PRAIRIE PL, WATERLOO, IL 62298-3384
Document Number	0000413583
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	700 PRAIRIE PL WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000413583
Date	Dec 22, 2020
Instrument	413583

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Term	36 Months
Due	Dec 21, 2023

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 6, 2019
Property Address	700 PRAIRIE PL, WATERLOO, IL 62298-3384
Document Number	0000405112
Instrument Date	Dec 3, 2019
Instrument	405112
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$39.00
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	210 STANHOPE LN, COLUMBIA, IL 62236-3420
Investor	Possibly a Property Investor

Mortgage

Document Number	0000405113
Date	Dec 6, 2019
Instrument	405113

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 3, 2020

Interest

Rate Type	Fixed Rate

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	Homeowner's exemption Disabled Person's exemption	$152,120 Land $17,150 Building $134,970	$456,360 Land $51,450 Building $404,910
2024	$5,249.00
2022		$480 Land $480	$1,440 Land $1,440

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 700 Prairie Pl in Zone X, an area of minimal flood risk.

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 Policies	5 in force

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

Wildfire risk around 700 Prairie Pl is low, with less than a 0.01% annual chance of wildfire.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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