705 Illinois Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 705 Illinois Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 800 sqft · built 1960
Lot Size	0.21 acres (9,063 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,036 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-25-133-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-133-011-000`
Alternative APN	`07250610100300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,063 sqft (0.21 acres)
Lot Dimensions	182 ft deep x 50 ft wide
Garage Area	300 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	705 ILLINOIS AVE
City	WATERLOO
State	IL
Zip	62298-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 6F
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WEST OUTLOTS
Legal Lot Number	6F
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3031
Census Tract	600401

Owner

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 Record
Mailing Address	705 ILLINOIS AVE, WATERLOO, IL 62298-1114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK
Sep 5, 2017	Warranty Deed, Transfer COLUMBIA TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 5, 2025
Property Address	705 ILLINOIS AVE, WATERLOO, IL 62298-1114
Document Number	0000439941
Instrument Date	Oct 28, 2025
Instrument	439941
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 ILLINOIS AVE, WATERLOO, IL 62298-1114

Mortgage

Document Number	0000439942
Date	Nov 5, 2025
Instrument	439942

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.75%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 5, 2017
Property Address	705 ILLINOIS AVE, WATERLOO, IL 62298-1114
Document Number	0000391759
Instrument Date	Sep 1, 2017
Instrument	391759
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Tax	$162.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 ILLINOIS AVE WATERLOO IL 622981114, WATERLOO, IL 62298-1114

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	$1,036.00 Homeowner's exemption Senior Citizen's exemption	$49,820 (+3.79%) Land $16,320 Building $33,500	$149,460 (+3.79%) Land $48,960 Building $100,500
2024	$1,036.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$48,000 (+25.56%) Land $16,021 Building $31,979	$144,000 (+25.56%) Land $48,063 Building $95,937
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$38,230 Land $15,110 Building $23,120	$114,690 Land $45,330 Building $69,360

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

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	Not rated no burnable land within 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 458 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
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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