Monroe County property record for 905 Ridge Rd, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2014 |
| Square Footage | 2,527 sqft Living Area |
| Lot Size | 32,234 sqft (0.74 acres) |
| Garage | 1,643 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $10,573.00 (2024) |
| Primary APN | 08-20-401-002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,527 sqft Living Area |
| 1st Floor | 2,527 sqft 1st Floor |
| Basement Area | 2,527 sqft Basement |
| Unfinished Basement | 2,527 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Area | 1,643 sqft Garage |
| Pool Type | 1 Pool Type |
|---|---|
| Pool Area | 612 sqft Pool |
| Patio Area | 968 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 482 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 905 RIDGE RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3187 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 2 10TH ADDN TO EAST RIDGE AMENDED |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 20 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-20-401-002-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 905 RIDGE RD, WATERLOO, IL 62298-3187 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Apr 30, 2020 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 905 RIDGE RD, WATERLOO, IL 62298-3187 |
| Document Number | 0000408922 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 905 RIDGE RD WATERLOO IL 622983187, WATERLOO, IL 62298-3187 |
| Document Number | 0000408922 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 408922 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 22, 2040 |
| Rate | 2.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 905 RIDGE RD, WATERLOO, IL 62298-3187 |
| Document Number | 0000408923 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 905 RIDGE RD WATERLOO IL 622983187, WATERLOO, IL 62298-3187 |
| Document Number | 0000408923 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 408923 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 22, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $193,740 (+47.66%) Land $19,990 Building $173,750 | $581,220 (+47.66%) Land $59,970 Building $521,250 | |
| 2024 | $10,573.00 | ||
| 2022 | Additional exemption filed | $131,210 Land $14,720 Building $116,490 | $393,630 Land $44,160 Building $349,470 |
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