803 Victorian Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 803 Victorian Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,782 sqft · built 2018
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$377,000 (Jul 2022)
Tax Bill	$8,011 (2025)
Deeds & Mortgages	Jul 2022 Sale & Construction Loan Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-102-019-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-102-019-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	1,782 sqft Living Area
1st Floor Area	1,782 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Unfinished
Lot Area	16,117 sqft (0.37 acres)
Garage Area	758 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	803 VICTORIAN AVE
City	WATERLOO
State	IL
Zip	62298-3361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 19 COUNTRY CLUB HILLS PHASE 1A
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	19
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4020
Census Tract	600401

Owner

803 Victorian Ave is owned and occupied by two individuals who bought it in July 2022.

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 File
Mailing Address	803 VICTORIAN AVE, WATERLOO, IL 62298-3361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Warranty Deed, Construction Loan · Construction Mortgage JP MORGAN CHASE BANK
Jun 25, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 25, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BANK OF O'FALLON
Jan 25, 2017	Warranty Deed, Construction Loan ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on File
Deed Sale	Jul 7, 2022 · Amount on File
Prior Sale	Jun 25, 2021 · Amount on File
Deed Document Number	2022425060
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 7, 2022
Property Address	803 VICTORIAN AVE, WATERLOO, IL 62298
Document Number	0000425060
Map Reference	DOC 393121
Instrument Date	Jul 5, 2022
Instrument	425060
Transaction Type	Construction Loan
Record Updated	Jul 20, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$565.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	803 VICTORIAN AVE, WATERLOO, IL 62298-3361

Mortgage

Document Number	0000425061
Date	Jul 7, 2022
Instrument	425061

Lender

Name	JP MORGAN CHASE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 25, 2021
Property Address	803 VICTORIAN AVE, WATERLOO, IL 62298
Document Number	0000418065
Instrument Date	Jun 23, 2021
Instrument	418065
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$549.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 VICTORIAN AVE, WATERLOO, IL 62298-3361

Mortgage

Document Number	0000418066
Date	Jun 25, 2021
Instrument	418066

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jan 25, 2017
Property Address	803 VICTORIAN AVE, WATERLOO, IL 62298
Instrument Date	Jan 24, 2017
Instrument	388021
Transaction Type	Construction Loan
Record Updated	Mar 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1124 VALMEYER RD COLUMBIA IL 622364126, COLUMBIA, IL 62236-4126

Mortgage

Document Number	0000388021
Date	Jan 25, 2017
Instrument	388021

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O'FALLON, IL 62269-8626

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 24, 2018

Interest

Rate Type	Adjustable Rate
Rate	4.5%

January 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 25, 2017
Property Address	803 VICTORIAN AVE, WATERLOO, IL 62298
Document Number	0000388020
Instrument Date	Jan 24, 2017
Instrument	388020
Transaction Type	Construction Loan
Record Updated	Mar 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1124 VALMEYER RD COLUMBIA IL 622364126, COLUMBIA, IL 62236-4126

Tax Assessment & Valuation

The 2025 property tax bill for 803 Victorian Ave was $8,011, up 10.4% 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	$8,011.00 (+10.44%) Homeowner's exemption	$137,050 Land $17,410 Building $119,640	$411,150 Land $52,230 Building $358,920
2024	$7,254.00
2022	Disabled Person's exemption Additional exemption filed	$108,000 Land $15,800 Building $92,200	$324,000 Land $47,400 Building $276,600

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 803 Victorian Ave in Zone X, an area of minimal flood risk.

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	5 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.

Wildfire

Wildfire risk around 803 Victorian Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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 Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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