712 Prairie Pl, Waterloo, IL 62298 Property Records

Monroe County property record for 712 Prairie Pl, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,909 sqft · built 2020
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$307,000 (May 2020)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-150-013-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-150-013-000`

Interior

Bedrooms	3 Beds
Building Area	1,909 sqft Living Area
1st Floor Area	1,909 sqft
Basement Area	1,909 sqft
Unfinished Basement	1,909 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	12,197 sqft (0.28 acres)
Garage Area	751 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	712 PRAIRIE PL
City	WATERLOO
State	IL
Zip	62298-3384
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 13 REMINGTON RIDGE PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	REMINGTON RIDGE
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4021
Census Tract	600401

Owner

Source: Monroe County records · APN 08-17-150-013-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	712 PRAIRIE PL, WATERLOO, IL 62298-3384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 03, 2024	Deed of Trust, Mortgage · Line of Credit STATE BANK
Feb 24, 2021	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	Apr 09, 2019 · Amount on Record
Deed Document Number	2020408249
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	712 PRAIRIE PL, WATERLOO, IL 62298-3384
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441586
Date	Mar 11, 2026
Instrument	441586

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	712 PRAIRIE PL, WATERLOO, IL 62298-3384
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431679
Date	Jan 03, 2024
Instrument	431679

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2033

Interest

Rate Type	Fixed Rate
Rate	8.75%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	712 PRAIRIE PL, WATERLOO, IL 62298-3384
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415142
Date	Feb 24, 2021
Instrument	415142

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$146,580 (+6.94%) Land $16,790 Building $129,790	$439,740 (+6.94%) Land $50,370 Building $389,370
2024		$137,071 (+29.47%) Land $16,401 Building $120,670	$411,213 (+29.47%) Land $49,203 Building $362,010
2022	Disabled Person's exemption Additional exemption filed	$105,870 Land $15,410 Building $90,460	$317,610 Land $46,230 Building $271,380

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
HTC Holding Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

Based on FCC filings for 153 locations within half a mile of this property.

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