705 Leo St, Waterloo, IL 62298 Property Records

Monroe County property record for 705 Leo St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,224 sqft · built 1961
Lot Size	0.23 acres (9,836 sqft)
Owner	Individual on Record
Last Sale	$230,000 (May 2026)
Tax Bill	$3,820 (2024)
Deeds & Mortgages	May 2026 Transfer May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-465-018-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-465-018-000`
Alternative APN	`07252040100700 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	1,224 sqft
Unfinished Basement	1,224 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	9,836 sqft (0.23 acres)
Lot Dimensions	140 ft deep x 72 ft wide
Garage Area	312 sqft
Driveway	Concrete Driveway
Driveway Area	504 sqft

Exterior Amenities

Porch	Slab
Porch Area	152 sqft
Patio Area	345 sqft
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	705 LEO ST
City	WATERLOO
State	IL
Zip	62298-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	1LA & 1AB FAIRVIEW SUBD
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	FAIRVIEW
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4036
Census Tract	600501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	705 LEO ST, WATERLOO, IL 62298-1718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
May 11, 2026	Warranty Deed, Transfer · FHA Mortgage FCB BANK
Apr 22, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	2026442483
Prior Transfer Date	May 6, 2026
Prior Transfer Doc	0000442482
Record Updated	Sep 20, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 11, 2026
Property Address	705 LEO ST, WATERLOO, IL 62298-1718
Document Number	0000442482
Instrument Date	May 6, 2026
Instrument	2026442482
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 LEO ST, WATERLOO, IL 62298-1718

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 11, 2026
Property Address	705 LEO ST, WATERLOO, IL 62298-1718
Document Number	0000442483
Instrument Date	May 6, 2026
Instrument	2026.442483
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	705 LEO ST, WATERLOO, IL 62298-1718

Mortgage

Document Number	0000442483,
Date	May 11, 2026
Instrument	2026.442483

Lender

Name	FCB BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 22, 2019
Property Address	705 LEO ST, WATERLOO, IL 62298-1718
Document Number	0000401015
Instrument Date	Apr 16, 2019
Instrument	401015
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	705 LEO ST WATERLOO IL 622981718, WATERLOO, IL 62298-1718

Mortgage

Document Number	401016
Date	Apr 22, 2019
Instrument	401016

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$73,320 (+3.95%) Land $16,430 Building $56,890	$219,960 (+3.95%) Land $49,290 Building $170,670
2024	$3,820.00	$70,537 (+26.84%) Land $16,106 Building $54,431	$211,611 (+26.84%) Land $48,318 Building $163,293
2022	Additional exemption filed	$55,610 Land $15,180 Building $40,430	$166,830 Land $45,540 Building $121,290

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 475 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: Wisper ISP.

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