812 Earnst Ct, Waterloo, IL 62298 Property Records

Monroe County property record for 812 Earnst Ct, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,552 sqft · built 2019
Lot Size	1.19 acres (51,836 sqft)
Owner	Company Name on Record
Last Sale	$68,000 (Oct 2018)
Tax Bill	$11,234 (2024)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-133-048-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-133-048-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,552 sqft Living Area
1st Floor Area	2,552 sqft
Basement Area	2,552 sqft
Unfinished Basement	2,552 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	51,836 sqft (1.19 acres)
Garage Area	1,226 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	812 EARNST CT
City	WATERLOO
State	IL
Zip	62298-3295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR1
Legal Description	LOT 48 REMLOK PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	REMLOK
Legal Lot Number	48
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4039
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	812 EARNST CT, WATERLOO, IL 62298-3295
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Nov 14, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO
Apr 30, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK
Sep 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	2018398072
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425936
Date	Sep 2, 2022
Instrument	425936

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412493
Date	Nov 16, 2020
Instrument	412493

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412496
Date	Nov 16, 2020
Instrument	412496

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Nov 14, 2019
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Instrument Date	Nov 5, 2019
Instrument	404745
Transaction Type	Construction Loan
Record Updated	Dec 5, 2019
Title Company	MADISON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	812 EARNST CT WATERLOO IL 622983295, WATERLOO, IL 62298-3295

Mortgage

Document Number	0000404745
Date	Nov 14, 2019
Instrument	404745

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Apr 30, 2019
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Instrument Date	Apr 16, 2019
Instrument	401155
Transaction Type	Construction Loan
Record Updated	May 17, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	812 EARNST CT WATERLOO IL 622983295, WATERLOO, IL 62298-3295

Mortgage

Document Number	0000401155
Date	Apr 30, 2019
Instrument	401155

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 1, 2018
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Document Number	0000398072
Map Reference	IN 291073
Instrument Date	Sep 28, 2018
Instrument	398072
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	159 STERRITT RUN, 159, WATERLOO, IL 62298-5509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 THOMAS LN, WATERLOO, IL 62298-5511

Mortgage

Document Number	0000398073
Date	Oct 1, 2018
Instrument	398073

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 5, 2017
Property Address	812 EARNST CT, WATERLOO, IL 62298-3295
Document Number	0000391776
Instrument Date	Sep 1, 2017
Instrument	391776
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$96.00
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	412 BRIARCLIFF DR WATERLOO IL 622981664, WATERLOO, IL 62298-1664

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$196,940 (+32.16%) Land $25,750 Building $171,190	$590,820 (+32.16%) Land $77,250 Building $513,570
2024	$11,234.00 (+22.35%)
2022	$9,182.00 Additional exemption filed	$149,020 Land $24,540 Building $124,480	$447,060 Land $73,620 Building $373,440

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 · 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 97% of the US · lower than 79% 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.

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

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

May also be available: Wisper ISP.

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