822 Victorian Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 822 Victorian Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 988 sqft · built 2007
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Company Names on File
Last Sale	$265,000 (May 2019)
Tax Bill	$5,885 (2024)
Deeds & Mortgages	Mar 2024 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-087-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-087-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	988 sqft Building Perimeter
1st Floor Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	19,166 sqft (0.44 acres)
Garage Area	526 sqft
Driveway	Concrete Driveway
Driveway Area	578 sqft

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Deck Area	252 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	822 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 87 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	87
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4024
Census Tract	600401

Owner

Source: Monroe County records · APN 08-17-101-087-000

Assessment roll updated August 29, 2025 · Last verified July 2026

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

Owner of Record	2 Company Names on File
Mailing Address	822 VICTORIAN AVE, WATERLOO, IL 62298-3355
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Intrafamily Transfer, Transfer
Jul 23, 2020	Deed of Trust, Mortgage F&B ACQUISITION
May 21, 2019	Warranty Deed, Transfer · Conventional with PMI F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 21, 2019 · Amount on Record
Deed Sale	May 21, 2019 · Amount on Record
Deed Document Number	2019401559
Last Transfer Date	Mar 15, 2024
Transfer Doc	0000432453
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Mar 18, 2024
Property Address	822 VICTORIAN AVE, WATERLOO, IL 62298-3355
Document Number	0000432453
Instrument Date	Mar 14, 2024
Instrument	432453
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 VICTORIAN AVE, WATERLOO, IL 62298-3355

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	822 VICTORIAN AVE, WATERLOO, IL 62298-3355
Document Number	0000409870
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	INTEGRITY TITLE SOLUTIONS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	822 VICTORIAN AVE WATERLOO IL 622983355, WATERLOO, IL 62298-3355

Mortgage

Document Number	0000409870
Date	Jul 30, 2020
Instrument	409870

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jul 29, 2045

Interest

Rate	3.12%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 21, 2019
Property Address	822 VICTORIAN AVE, WATERLOO, IL 62298-3355
Document Number	0000401559
Instrument Date	May 16, 2019
Instrument	401559
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
Amount Accuracy	Confirmed
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	822 VICTORIAN AVE WATERLOO IL 622983355, WATERLOO, IL 62298-3355

Mortgage

Document Number	401560
Date	May 21, 2019
Instrument	401560

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2049

Interest

Rate	4.12%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$109,580 (+27.06%) Land $17,890 Building $91,690	$328,740 (+27.06%) Land $53,670 Building $275,070
2024	$5,885.00
2022	Additional exemption filed	$86,240 Land $16,100 Building $70,140	$258,720 Land $48,300 Building $210,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
HTC Holding Fiber · DSL	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

Based on FCC filings for 37 locations within half a mile of this property.

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