Monroe County property record for 908 James St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1996 |
| Square Footage | 1,746 sqft Living Area |
| Lot Size | 13,939 sqft (0.32 acres) |
| Garage | 552 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $5,306.00 (2024) |
| Primary APN | 07-24-234-019-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,746 sqft Living Area |
| 1st Floor | 1,746 sqft 1st Floor |
| Basement Area | 1,746 sqft Basement |
| Unfinished Basement | 1,746 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 13,939 sqft (0.32 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 760 sqft Driveway |
| Garage Area | 552 sqft Garage |
| Patio Area | 192 sqft Patio |
| Porch Area | 40 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 908 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1064 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 19 ELSIE KOLMER SUBD 1ST ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | ELSIE KOLMER |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 16 |
| Census Blockgroup | 3 |
| Census Block | 3002 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-234-019-000
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 Company Names on File |
|---|---|
| Mailing Address | 908 JAMES ST, WATERLOO, IL 62298-1064 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jun 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SIMMONS FIRST BANK |
| Jan 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SIMMONS FIRST BANK |
| Feb 13, 2019 | Grant Deed, Transfer ACCENT TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Dec 11, 2024 |
| Transfer Doc | 0000435751 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 908 JAMES ST, WATERLOO, IL 62298-1064 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | BENCHMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000401742 |
|---|---|
| Date | Jun 03, 2019 |
| Instrument | 401742 |
| Name | SIMMONS FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 908 JAMES ST, WATERLOO, IL 62298-1064 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000414231 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 414231 |
| Name | SIMMONS FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 13, 2019 |
| Property Address | 908 JAMES ST, WATERLOO, IL 62298-1064 |
| Document Number | 0000399944 |
| Instrument Date | Feb 12, 2019 |
| Instrument | 399944 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2019 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 908 JAMES ST WATERLOO IL 622981064, WATERLOO, IL 62298-1064 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $90,790 (+21.54%) Land $17,050 Building $73,740 | $272,370 (+21.54%) Land $51,150 Building $221,220 | |
| 2024 | $5,306.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $74,700 Land $15,570 Building $59,130 | $224,100 Land $46,710 Building $177,390 |
908 James St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 2nd percentile of exposed land nationally · 14th in Illinois |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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