831 Victorian Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 831 Victorian Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,997 sqft · built 2008
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,419 (2024)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-026-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-026-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,997 sqft Living Area
1st Floor Area	1,997 sqft
Basement Area	1,997 sqft
Unfinished Basement	1,997 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Area	20,473 sqft (0.47 acres)
Garage Area	460 sqft
Driveway	Concrete Driveway
Driveway Area	595 sqft

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	264 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	831 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 26 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	26
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4020
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	2 Individual Names on Record
Mailing Address	831 VICTORIAN AVE, WATERLOO, IL 62298-3361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT COM LLC
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	831 VICTORIAN AVE, WATERLOO, IL 62298-3361
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425895
Date	Sep 1, 2022
Instrument	425895

Lender

Name	LOANDEPOT COM LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	831 VICTORIAN AVE, WATERLOO, IL 62298-3361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407140
Date	Apr 7, 2020
Instrument	407140

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	831 VICTORIAN AVE, WATERLOO, IL 62298-3361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413573
Date	Dec 22, 2020
Instrument	413573

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jan 1, 2046

Interest

Rate Type	Fixed Rate

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		$117,130 (+2.34%) Land $18,080 Building $99,050	$351,390 (+2.34%) Land $54,240 Building $297,150
2024	$6,419.00	$114,450 (+24.36%) Land $17,447 Building $97,003	$343,350 (+24.36%) Land $52,341 Building $291,009
2022	Additional exemption filed	$92,030 Land $16,240 Building $75,790	$276,090 Land $48,720 Building $227,370

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 99.1% of the US · lower than 94% 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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