851 Victorian Ave, Waterloo, IL 62298 Property Records

Monroe County property record for 851 Victorian Ave, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,933 sqft · built 2017
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,685 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-030-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-030-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	1,933 sqft Living Area
1st Floor Area	1,696 sqft
Upper Floors Area	237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	15,682 sqft (0.36 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	287 sqft

Location & Zoning

Street Address	851 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 30 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	30
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4020
Census Tract	600401

Owner

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	2 Individual Names on Record
Mailing Address	851 VICTORIAN AVE, WATERLOO, IL 62298-3361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Feb 24, 2017	Warranty Deed, Transfer · FHA Mortgage GERSHAM INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	851 VICTORIAN AVE, WATERLOO, IL 62298-3361
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414658
Date	Feb 2, 2021
Instrument	414658

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 24, 2017
Property Address	851 VICTORIAN AVE, WATERLOO, IL 62298-3361
Document Number	0000388449
Instrument Date	Feb 24, 2017
Instrument	388449
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$444.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1124 VALMEYER RD, 1124, COLUMBIA, IL 62236-4126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 VICTORIAN AVE, WATERLOO, IL 62298-3361

Mortgage

Document Number	0000388450
Date	Feb 24, 2017
Instrument	388450

Lender

Name	GERSHAM INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$8,685.00 (+3.49%) Homeowner's exemption	$148,100 (+35.96%) Land $17,350 Building $130,750	$444,300 (+35.96%) Land $52,050 Building $392,250
2024	$8,392.00
2022	Additional exemption filed	$108,930 Land $15,730 Building $93,200	$326,790 Land $47,190 Building $279,600

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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