902 Stiening St, Waterloo, IL 62298 Property Records

Monroe County property record for 902 Stiening St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 816 sqft · built 1963
Lot Size	0.13 acres (5,626 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Oct 2025)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-401-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-401-017-000`
Alternative APN	`07251540600500 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	5,626 sqft (0.13 acres)
Lot Dimensions	104 ft deep x 53 ft wide
Garage Type	Mixed
Garage Area	336 sqft
Driveway	Concrete Driveway
Driveway Area	245 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	902 STIENING ST
City	WATERLOO
State	IL
Zip	62298-1460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOT 1M
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Lot Number	1M
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4006
Census Tract	600501

Owner

902 Stiening St is owned by an individual who bought it in October 2025.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	103 OSTERHAGE DR, 3, WATERLOO, IL 62298-1574
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Prior Sale	Jul 24, 2024 · Amount on File
Deed Document Number	2025439601
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 10, 2025
Property Address	902 STIENING ST, WATERLOO, IL 62298-1460
Document Number	0000439601
Map Reference	MB A PG 39
Instrument Date	Oct 10, 2025
Instrument	439601
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3604 MOORGATE CT, SWANSEA, IL 62226-7497

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 STIENING ST, WATERLOO, IL 62298-1460

Mortgage

Document Number	0000439602
Date	Oct 10, 2025
Instrument	439602

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.15%

Tax Assessment & Valuation

The 2025 property tax bill for 902 Stiening St was $3,580, up 14.5% 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	$3,580.00 (+14.49%)	$58,680 (+11.06%) Land $15,830 Building $42,850	$176,040 (+11.06%) Land $47,490 Building $128,550
2024	$3,127.00	$52,837 Land $15,620 Building $37,217	$158,511 Land $46,860 Building $111,651
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$42,440 Land $14,810 Building $27,630	$127,320 Land $44,430 Building $82,890

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 902 Stiening St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 902 Stiening St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 315 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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