Monroe County property record for 7104 State Rte 156, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,500 sqft · built 1977 |
| Lot Size | 8.77 acres (382,021 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (Jan 2019) |
| Tax Bill | $5,396 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Mar 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-01-200-008-000 |
| Primary APN | 11-01-200-008-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Basement Area | 1,500 sqft |
| Unfinished Basement | 1,500 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Frame |
| Lot Area | 382,021 sqft (8.77 acres) |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 184 sqft |
| Patio Area | 361 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 7104 STATE ROUTE 156 |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-2522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART TAX LOTS 10 & 11A |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 01 |
| Legal Lot Number | 10,11A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 600501 |
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 | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · FHA Mortgage LOWER LLC |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| May 7, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Sep 6, 2019 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Jan 4, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2019 · Amount on Record |
| Deed Sale | Jan 4, 2019 · Amount on Record |
| Deed Document Number | 2019399454 |
| Last Transfer Date | Apr 28, 2020 |
| Transfer Doc | 0000407833 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000428734 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 428734 |
| Name | LOWER LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000423325 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 423325 |
| Name | LOWER LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 25, 2042 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000423342 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 423342 |
| Name | LOWER LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414486 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 414486 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 7, 2020 |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Document Number | 0000407833 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 407833 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Document Number | 0000407834 |
|---|---|
| Date | May 7, 2020 |
| Instrument | 407834 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Document Number | 0000403521 |
| Instrument Date | Sep 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 7104 STATE ROUTE 156 WATERLOO IL 622982522, WATERLOO, IL 62298-2522 |
| Document Number | 0000403521 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 403521 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 4, 2019 |
| Property Address | 7104 STATE ROUTE 156, WATERLOO, IL 62298-2522 |
| Document Number | 0000399454 |
| Instrument Date | Jan 3, 2019 |
| Instrument | 399454 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 7104 STATE ROUTE 156 WATERLOO IL 622982522, WATERLOO, IL 62298-2522 |
| Document Number | 399455 |
|---|---|
| Date | Jan 4, 2019 |
| Instrument | 399455 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,396.00 (-3.51%) Homeowner's exemption | $95,388 (+13.86%) Land $11,168 Building $84,220 | $286,164 (-6.25%) Land $33,504 Building $252,660 |
| 2024 | $5,592.00 | $305,241 (+21.45%) Land $34,416 Building $270,825 | |
| 2022 | Additional exemption filed | $83,777 Land $10,547 Building $73,230 | $251,331 Land $31,641 Building $219,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 61% 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
| Wisper ISP Fixed Wireless | 10 / 1 |
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