704 Park St, Waterloo, IL 62298 Property Records

Monroe County property record for 704 Park St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 816 sqft · built 1958
Lot Size	0.18 acres (7,674 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Oct 2025)
Tax Bill	$2,959 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-302-006-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-302-006-000`
Alternative APN	`07251330201100 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Lot Area	7,674 sqft (0.18 acres)
Garage Area	270 sqft
Driveway	Asphalt Driveway
Driveway Area	660 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	704 PARK ST
City	WATERLOO
State	IL
Zip	62298-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 6 SUNSET ACRES
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	6
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3001
Census Tract	600501

Owner

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	Individual Name on Record
Mailing Address	3495 SADDLEHORSE LN, CHESTER, IL 62233-3253
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTH COUNTY SAVINGS BANK
Jun 6, 2017	Warranty Deed, Transfer · Conventional with PMI STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Jun 6, 2017 · Amount on Record
Deed Document Number	2025439535
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 7, 2025
Property Address	704 PARK ST, WATERLOO, IL 62298-1813
Document Number	0000439535
Map Reference	MB B PG 140
Instrument Date	Oct 3, 2025
Instrument	439535
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 PARK ST, WATERLOO, IL 62298-1813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 PARK ST, WATERLOO, IL 62298-1813

Mortgage

Document Number	0000439536
Date	Oct 7, 2025
Instrument	439536

Lender

Name	NORTH COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2040

Interest

Rate Type	Fixed Rate
Rate	6%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 6, 2017
Property Address	704 PARK ST, WATERLOO, IL 62298-1813
Document Number	0000390236
Instrument Date	Jun 6, 2017
Instrument	390236
Transaction Type	Transfer
Record Updated	Jun 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 PARK ST WATERLOO IL 622981813, WATERLOO, IL 62298-1813

Mortgage

Document Number	390237
Date	Jun 6, 2017
Instrument	390237

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.11%

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	$2,959.00 (+0.75%) Homeowner's exemption	$53,900 (+3.48%) Land $16,090 Building $37,810	$161,700 (+3.48%) Land $48,270 Building $113,430
2024	$2,937.00 Additional exemption filed	$52,087 (+21.81%) Land $15,831 Building $36,256	$156,261 (+21.81%) Land $47,493 Building $108,768
2022	Additional exemption filed	$42,760 Land $14,970 Building $27,790	$128,280 Land $44,910 Building $83,370

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.

Flood

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 Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

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

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

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

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

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

May also be available: Wisper ISP.

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