903 Stiening St, Waterloo, IL 62298 Property Records

Monroe County property record for 903 Stiening St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 1973
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jan 2024)
Tax Bill	$3,311 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-401-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-401-002-000`
Alternative APN	`07251540600200 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	214 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft
Driveway	Concrete Driveway
Driveway Area	408 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	903 STIENING ST
City	WATERLOO
State	IL
Zip	62298-1461
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

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

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

Owner of Record	Individual Name on Record
Mailing Address	903 STIENING ST, WATERLOO, IL 62298-1461
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 26, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/WATERLOO
Sep 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on Record
Deed Sale	Jan 26, 2024 · Amount on Record
Deed Document Number	2024431901
Prior Transfer Date	Aug 17, 2018
Prior Transfer Doc	0000397792
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	903 STIENING ST, WATERLOO, IL 62298-1461
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440795
Date	Jan 6, 2026
Instrument	440795

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 26, 2024
Property Address	903 STIENING ST, WATERLOO, IL 62298-1461
Document Number	0000431901
Instrument Date	Jan 26, 2024
Instrument	431901
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	211 S LIBRARY ST, WATERLOO, IL 62298-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 STIENING ST, WATERLOO, IL 62298-1461

Mortgage

Document Number	0000431902
Date	Jan 26, 2024
Instrument	431902

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.13%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	903 STIENING ST, WATERLOO, IL 62298-1461
Document Number	0000410955
Instrument Date	Sep 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	903 STIENING ST WATERLOO IL 622981461, WATERLOO, IL 62298-1461

Mortgage

Document Number	0000410955
Date	Sep 14, 2020
Instrument	410955

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 13, 2035

Interest

Rate	2%

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Sep 12, 2018
Property Address	903 STIENING ST, WATERLOO, IL 62298-1461
Document Number	0000397792
Instrument Date	Aug 17, 2018
Instrument	397792
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	903 STIENING ST WATERLOO IL 622981461, WATERLOO, IL 62298-1461

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	$3,311.00 (+11.37%)	$54,270 (+48.08%) Land $16,740 Building $37,530	$162,810 (+48.08%) Land $50,220 Building $112,590
2024	$2,973.00
2022		$36,650 Land $12,980 Building $23,670	$109,950 Land $38,940 Building $71,010

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

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

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.

Nearby Properties on Stiening St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures