1303 Summerfield, Waterloo, IL 62298 Property Records

Monroe County property record for 1303 Summerfield, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,668 sqft · built 2005
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,216 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-061-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-061-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,939 sqft (0.32 acres)
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1303 SUMMERFIELD
City	WATERLOO
State	IL
Zip	62298-2873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 61 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	61
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4023
Census Tract	600501

Owner

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	1303 SUMMERFIELD, WATERLOO, IL 62298-2873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1303 SUMMERFIELD, WATERLOO, IL 62298-2873
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430807
Date	Oct 10, 2023
Instrument	430807

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2033

Interest

Rate Type	Fixed Rate
Rate	8%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1303 SUMMERFIELD, WATERLOO, IL 62298-2873
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000393812
Date	Jan 8, 2018
Instrument	393812

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Feb 1, 2028

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$6,216.00 Homeowner's exemption Disabled Person's exemption	$109,550 (+44.3%) Land $17,050 Building $92,500	$328,650 (+44.3%) Land $51,150 Building $277,500
2024	$6,216.00
2022	Disabled Person's exemption Veteran's exemption Additional exemption filed	$75,920 Land $13,150 Building $62,770	$227,760 Land $39,450 Building $188,310

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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