905 James St, Waterloo, IL 62298 Property Records

Monroe County property record for 905 James St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,712 sqft · built 1994
Lot Size	0.33 acres (14,288 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,792 (2024)
Deeds & Mortgages	May 2022 Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-234-026-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-234-026-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft
Basement Area	1,712 sqft
Unfinished Basement	1,712 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	14,288 sqft (0.33 acres)
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	780 sqft
Porch	Slab
Porch Area	48 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	905 JAMES ST
City	WATERLOO
State	IL
Zip	62298-1066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 26 ELSIE KOLMER SUBD 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	ELSIE KOLMER
Legal Lot Number	26
Jurisdiction	MONROE IL
Township / Civil Division	16
Census Block Group	3
Census Block	3000
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	905 JAMES ST, WATERLOO, IL 62298-1066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Dec 28, 2016	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU

Assessor's Deed Record

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

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	905 JAMES ST, WATERLOO, IL 62298-1066
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424230
Date	May 12, 2022
Instrument	424230

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 11, 2047

Interest

Rate Type	Fixed Rate

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	905 JAMES ST, WATERLOO, IL 62298-1066
Document Number	0000387666
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	905 JAMES ST WATERLOO IL 622981066, WATERLOO, IL 62298-1066

Mortgage

Document Number	0000387666
Date	Jan 4, 2017
Instrument	387666

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 3, 2032

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		$106,880 (+39.28%) Land $16,950 Building $89,930	$320,640 (+39.28%) Land $50,850 Building $269,790
2024	$5,792.00
2022	Additional exemption filed	$76,740 Land $15,510 Building $61,230	$230,220 Land $46,530 Building $183,690

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
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	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.

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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, Wisper ISP.

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