703 James St, Waterloo, IL 62298 Property Records

Monroe County property record for 703 James St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,248 sqft · built 1967
Lot Size	0.29 acres (12,440 sqft)
Owner	Company Name on Record
Tax Bill	$2,209 (2024)
Deeds & Mortgages	Jan 2017 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-24-401-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-401-004-000`
Alternative APN	`07241540101000 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	12,440 sqft (0.29 acres)
Garage Area	546 sqft
Driveway	Concrete Driveway
Driveway Area	570 sqft
Porch	Slab
Porch Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	703 JAMES ST
City	WATERLOO
State	IL
Zip	62298-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 27 MEADOWBROOK HEIGHTS
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	MEADOWBROOK HEIGHTS 1
Legal Lot Number	27
Jurisdiction	MONROE IL
Township / Civil Division	16
Census Block Group	3
Census Block	3000
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 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 Record
Mailing Address	703 JAMES ST, WATERLOO, IL 62298-1040
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed, Transfer · Conventional Mortgage US BANK NA
Jan 24, 2017	Quit Claim Deed, Transfer ACCENT TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Jan 17, 2017
Property Address	703 JAMES ST, WATERLOO, IL 62298-1040
Document Number	0000387833
Instrument Date	Jan 13, 2017
Instrument	387833
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	$217.50
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	703 JAMES ST, WATERLOO, IL 62298-1040

Mortgage

Document Number	0000387834
Date	Jan 17, 2017
Instrument	387834

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.5%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 24, 2017
Property Address	703 JAMES ST, WATERLOO, IL 62298-1040
Document Number	0000388001
Instrument Date	Jan 13, 2017
Instrument	388001
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	703 JAMES ST WATERLOO IL 622981040, WATERLOO, IL 62298-1040

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$77,100 (+59.53%) Land $16,840 Building $60,260	$231,300 (+59.53%) Land $50,520 Building $180,780
2024	$2,209.00
2022	Homeowner's exemption Additional exemption filed	$48,330 Land $9,390 Building $38,940	$144,990 Land $28,170 Building $116,820

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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.

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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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