707 James St, Waterloo, IL 62298 Property Records

Monroe County property record for 707 James St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,331 sqft · built 1966
Lot Size	0.29 acres (12,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,900 (Apr 2023)
Tax Bill	$4,301 (2025)
Deeds & Mortgages	Apr 2023 Sale Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-401-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-401-003-000`
Alternative APN	`07241540101100 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,331 sqft Living Area
1st Floor Area	1,331 sqft
Basement Area	1,331 sqft
Unfinished Basement	1,331 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	12,440 sqft (0.29 acres)
Garage Area	330 sqft
Driveway	Concrete Driveway
Driveway Area	192 sqft

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	228 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	707 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 26 MEADOWBROOK HEIGHTS
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	MEADOWBROOK HEIGHTS NO 1
Legal Lot Number	26
Jurisdiction	MONROE IL
Township / Civil Division	16
Census Block Group	3
Census Block	3000
Census Tract	600401

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	707 JAMES ST, WATERLOO, IL 62298-1040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 24, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	2023428788
Prior Transfer Date	Nov 23, 2020
Prior Transfer Doc	0000412753
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 28, 2023
Property Address	707 JAMES ST, WATERLOO, IL 62298-1040
Document Number	0000428788
Map Reference	MB C PG 32
Instrument Date	Apr 27, 2023
Instrument	428788
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2501 STEFFEN RD, FULTS, IL 62244-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	707 JAMES ST, WATERLOO, IL 62298-1040

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Nov 24, 2020
Property Address	707 JAMES ST, WATERLOO, IL 62298-1040
Document Number	0000412753
Map Reference	MB C PG 32
Instrument Date	Nov 23, 2020
Instrument	412753
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 PAUL DR, 435, WATERLOO, IL 62298-1825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 JAMES ST, WATERLOO, IL 62298-1040

Mortgage

Document Number	0000412754
Date	Nov 24, 2020
Instrument	412754

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,301.00 Homeowner's exemption	$76,250 (+32.45%) Land $16,840 Building $59,410	$228,750 (+32.45%) Land $50,520 Building $178,230
2024	$4,301.00
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$57,570 Land $15,450 Building $42,120	$172,710 Land $46,350 Building $126,360

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	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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