840 Victorian Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 840 Victorian Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,660 sqft · built 2016
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Jun 2019)
Tax Bill	$7,020 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-086-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-086-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	29,185 sqft (0.67 acres)
Garage Area	528 sqft
Porch	Porch
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	840 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 86 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	86
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4024
Census Tract	600401

Owner

840 Victorian Ave is owned and occupied by an individual who bought it in June 2019.

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	Individual Name on File
Mailing Address	840 VICTORIAN AVE, WATERLOO, IL 62298-3355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Deed Document Number	2019402141
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	840 VICTORIAN AVE, WATERLOO, IL 62298-3355
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407723
Date	May 4, 2020
Instrument	407723

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 25, 2019
Property Address	840 VICTORIAN AVE, WATERLOO, IL 62298-3355
Document Number	0000402141
Instrument Date	Jun 20, 2019
Instrument	402141
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 VICTORIAN AVE WATERLOO IL 622983355, WATERLOO, IL 62298-3355

Mortgage

Document Number	402142
Date	Jun 25, 2019
Instrument	402142

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 840 Victorian Ave was $7,020, up 9.1% 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	$7,020.00 (+9.12%) Homeowner's exemption	$120,800 Land $19,460 Building $101,340	$362,400 Land $58,380 Building $304,020
2024	$6,433.00
2022	Additional exemption filed	$95,310 Land $17,120 Building $78,190	$285,930 Land $51,360 Building $234,570

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 840 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 840 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	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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