913 James St, Waterloo, IL 62298 Property Records

Monroe County property record for 913 James St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,799 sqft · built 1995
Lot Size	0.33 acres (14,207 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,580 (2024)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-234-024-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-234-024-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,799 sqft Living Area
1st Floor Area	1,799 sqft
Basement Area	1,799 sqft
Unfinished Basement	1,799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	14,207 sqft (0.33 acres)
Garage Area	529 sqft
Driveway	Concrete Driveway
Driveway Area	702 sqft

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	396 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	913 JAMES ST
City	WATERLOO
State	IL
Zip	62298-1067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 24 ELSIE KOLMER SUBD 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	ELSIE KOLMER
Legal Lot Number	24
Jurisdiction	MONROE IL
Township / Civil Division	16
Census Block Group	3
Census Block	3000
Census Tract	600401

Owner

Source: Monroe County assessment roll, as of August 29, 2025

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	913 JAMES ST, WATERLOO, IL 62298-1067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
May 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 11, 2017	Deed, Transfer · Conventional Mortgage MON CLAIR TITLE CO

Assessor's Deed Record

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	913 JAMES ST, WATERLOO, IL 62298-1067
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418109
Date	Jun 28, 2021
Instrument	418109

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 1, 2028

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	913 JAMES ST, WATERLOO, IL 62298-1067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401456
Date	May 15, 2019
Instrument	401456

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2049

Interest

Rate Type	Fixed Rate

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 11, 2017
Property Address	913 JAMES ST, WATERLOO, IL 62298-1067
Document Number	0000389207
Instrument Date	Apr 11, 2017
Instrument	389207
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	MON CLAIR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$331.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 JAMES ST, WATERLOO, IL 62298-1067

Mortgage

Document Number	, 389208
Date	Apr 11, 2017
Instrument	389208

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.63%

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		$108,110 (+37.9%) Land $17,150 Building $90,960	$324,330 (+37.9%) Land $51,450 Building $272,880
2024	$5,580.00
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$78,400 Land $15,620 Building $62,780	$235,200 Land $46,860 Building $188,340

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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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
HTC Holding Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Delta Communications, Wisper ISP.

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