8 Dwight St, Waterloo, IL 62298 Property Records

Monroe County property record for 8 Dwight St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,104 sqft · built 2016
Lot Size	0.25 acres (11,045 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jul 2026)
Tax Bill	$5,115 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-13-150-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-13-150-011-000`
Alternative APN	`07131030400600 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	11,045 sqft (0.25 acres)
Garage Area	418 sqft
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	8 DWIGHT ST
City	WATERLOO
State	IL
Zip	62298-5538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 75 LOU DEL 4TH ADDN
Legal Range	10W
Legal Township	02S
Legal Section	13
Legal Subdivision	LOU DEL
Legal Lot Number	75
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2092
Census Tract	600402

Owner

8 Dwight St is owned by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1810 JEWEL SISSON DR, BELLEVILLE, IL 62223-3556
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORPORATION
May 19, 2023	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Nov 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	May 19, 2023 · Amount on File
Deed Document Number	2026443299
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 2, 2026
Property Address	8 DWIGHT ST, WATERLOO, IL 62298-5538
Document Number	0000443299
Instrument Date	Jun 26, 2026
Instrument	2026443299
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43,177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000443300,
Date	Jul 2, 2026
Instrument	2026443300

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 19, 2023
Property Address	8 DWIGHT ST, WATERLOO, IL 62298-5538
Document Number	0000429065
Map Reference	MB C PG 39
Instrument Date	May 19, 2023
Instrument	429065
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	348 GRANT DR, COLUMBIA, IL 62236-4558

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8 DWIGHT ST, WATERLOO, IL 62298-5538

Mortgage

Document Number	0000429066
Date	May 19, 2023
Instrument	429066

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	8 DWIGHT ST, WATERLOO, IL 62298-5538
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426893
Date	Nov 9, 2022
Instrument	426893

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8 Dwight St was $5,115, up 9.1% from the year before.

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	$5,115.00 (+9.06%) Homeowner's exemption	$89,580 (+5.09%) Land $16,740 Building $72,840	$268,740 (+5.09%) Land $50,220 Building $218,520
2024	$4,690.00	$85,238 Land $16,380 Building $68,858	$255,714 Land $49,140 Building $206,574
2022	Additional exemption filed	$71,830 Land $15,390 Building $56,440	$215,490 Land $46,170 Building $169,320

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

FEMA maps place 8 Dwight St in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

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.

Wildfire

The area around 8 Dwight St has no burnable land within ember reach, so its wildfire risk is not rated.

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, Wisper ISP.

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