Monroe County property record for 916 James St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,180 sqft · built 1994 |
| Lot Size | 0.32 acres (13,776 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Sep 2025) |
| Tax Bill | $6,463 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-234-021-000 |
| Primary APN | 07-24-234-021-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,180 sqft Building Perimeter |
| 1st Floor Area | 1,180 sqft |
| Basement Area | 605 sqft |
| Unfinished Basement | 605 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 13,776 sqft (0.32 acres) |
| Garage Area | 504 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 738 sqft |
| Porch | Slab |
| Porch Area | 140 sqft |
| Patio Area | 738 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 916 JAMES ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1064 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 21 ELSIE KOLMER SUBD 1ST ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | ELSIE KOLMER |
| Legal Lot Number | 21 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 16 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 600401 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 273 N MAIN ST, WATERLOO, IL 62298-1245 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Deed Document Number | 2025439426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 29, 2025 |
| Property Address | 916 JAMES ST, WATERLOO, IL 62298-1064 |
| Document Number | 0000439426 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 439426 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 916 JAMES ST, WATERLOO, IL 62298-1064 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 916 JAMES ST, WATERLOO, IL 62298-1064 |
| Document Number | 0000439427 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 439427 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,463.00 Homeowner's exemption | $111,680 (+5.57%) Land $17,050 Building $94,630 | $335,040 (+5.57%) Land $51,150 Building $283,890 |
| 2024 | $6,463.00 Additional exemption filed | $105,790 (+27.24%) Land $16,634 Building $89,156 | $317,370 (+27.24%) Land $49,902 Building $267,468 |
| 2022 | Additional exemption filed | $83,140 Land $15,570 Building $67,570 | $249,420 Land $46,710 Building $202,710 |
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.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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