810 Victorian Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 810 Victorian Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,682 sqft · built 2007
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2026)
Tax Bill	$644 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-089-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-089-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,682 sqft Living Area
1st Floor Area	1,682 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Foundation Type	Raised
Lot Area	21,344 sqft (0.49 acres)
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	561 sqft

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	120 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	810 VICTORIAN AVE
City	WATERLOO
State	IL
Zip	62298-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 89 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	89
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4024
Census Tract	600401

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 Record	2 Individual Names on Record
Mailing Address	209 DALE ST, WATERLOO, IL 62298-1404
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Aug 10, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Deed Document Number	2026443738
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 31, 2026
Property Address	810 VICTORIAN AVE, WATERLOO, IL 62298-3355
Document Number	0000443738
Instrument Date	Jul 1, 2026
Instrument	2026443738
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	209 DALE ST, WATERLOO, IL 62298-1404

Mortgage

Document Number	0000443739,
Date	Jul 31, 2026
Instrument	2026443739

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	810 VICTORIAN AVE, WATERLOO, IL 62298-3355
Document Number	0000403580
Instrument Date	Aug 10, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 VICTOEIAN AVE WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000403580
Date	Sep 16, 2019
Instrument	403580

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 15, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	Homeowner's exemption Disabled Person's exemption	$105,530 (+26.49%) Land $18,210 Building $87,320	$316,590 (+26.49%) Land $54,630 Building $261,960
2024	$644.00
2022	Additional exemption filed	$83,430 Land $16,290 Building $67,140	$250,290 Land $48,870 Building $201,420

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

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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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