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721 James St, Waterloo, IL 62298 Property Records

Monroe County property record for 721 James St, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 1,466 sqft · built 1968
Lot Size0.27 acres (11,854 sqft)
OwnerCompany Name on Record
Tax Bill$4,652 (2025)
Deeds & MortgagesAug 2020 Mortgage
Nov 2017 Transfer
Flood ZoneZone X (minimal risk)
APN07-24-249-004-000

Property Details

APN / Parcel Number

Primary APN07-24-249-004-000
Alternative APN
  • 07241120100100 00

Interior

Bedrooms3 Beds
Full Baths4 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area1,466 sqft Living Area
1st Floor Area1,466 sqft
Basement Area1,466 sqft
Unfinished Basement1,466 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1968
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Lot Area11,854 sqft (0.27 acres)
Garage Area384 sqft
DrivewayConcrete Driveway
Driveway Area200 sqft
PorchSlab
Porch Area178 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address721 JAMES ST
CityWATERLOO
StateIL
Zip62298-1040
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR2
Legal DescriptionLOT 22 MEADOWBROOK HEIGHTS
Legal Range10W
Legal Township02S
Legal Section24
Legal SubdivisionMEADOWBROOK HEIGHTS 01
Legal Lot Number22
JurisdictionMONROE IL
Township / Civil Division16
Census Block Group3
Census Block3000
Census Tract600401

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 RecordCompany Name on Record
Mailing Address721 JAMES ST, WATERLOO, IL 62298-1040
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Aug 13, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIRST CMNTY CU
Nov 9, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address721 JAMES ST, WATERLOO, IL 62298-1040
Document Number0000410487
Instrument DateAug 13, 2020
Transaction TypeMortgage
Record UpdatedSep 11, 2020
Title CompanyCLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address721 JAMES ST WATERLOO IL 622981040, WATERLOO, IL 62298-1040

Mortgage

Document Number0000410487
DateAug 26, 2020
Instrument410487
Lender
NameFIRST CMNTY CU
AddressCHESTERFIELD, MO 63005
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 25, 2035
Interest
Rate TypeFixed Rate
Rate2.75%

November 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE IL
Recording DateNov 9, 2017
Property Address721 JAMES ST, WATERLOO, IL 62298-1040
Document Number0000392861
Instrument DateNov 3, 2017
Instrument392861
Transaction TypeTransfer
Record UpdatedNov 20, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address721 JAMES ST WATERLOO IL 622981040, WATERLOO, IL 62298-1040

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,652.00 Homeowner's exemption$82,000 (+29.48%) Land $16,790 Building $65,210$246,000 (+29.48%) Land $50,370 Building $195,630
2024$4,652.00
2022Additional exemption filed$63,330 Land $15,410 Building $47,920$189,990 Land $46,230 Building $143,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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 126 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Harrisonville Telephone Company
Fiber · DSL		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: ClearWave, Wisper ISP.

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