1312 Summerfield, Waterloo, IL 62298 Property Records

Monroe County property record for 1312 Summerfield, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,556 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Oct 2022)
Tax Bill	$5,505 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-072-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-072-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	1,556 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	576 sqft
Porch	Slab
Porch Area	96 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1312 SUMMERFIELD
City	WATERLOO
State	IL
Zip	62298-2874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 72 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	72
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4026
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	1312 SUMMERFIELD, WATERLOO, IL 62298-2874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Oct 29, 2020	Deed of Trust, Mortgage · Construction Mortgage MORTGAGE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	2022426755
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 31, 2022
Property Address	1312 SUMMERFIELD, WATERLOO, IL 62298-2874
Document Number	0000426755
Instrument Date	Oct 31, 2022
Instrument	426755
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 MEADOW CT, 6, FLORISSANT, MO 63031-7817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 SUMMERFIELD, WATERLOO, IL 62298-2874

Mortgage

Document Number	0000426756
Date	Oct 31, 2022
Instrument	426756

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1312 SUMMERFIELD, WATERLOO, IL 62298-2874
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412073
Date	Oct 29, 2020
Instrument	412073

Lender

Name	MORTGAGE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

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	$5,505.00 (+5.68%) Homeowner's exemption	$95,970 (+24.47%) Land $16,790 Building $79,180	$287,910 (+24.47%) Land $50,370 Building $237,540
2024	$5,209.00
2022	Additional exemption filed	$77,100 Land $15,410 Building $61,690	$231,300 Land $46,230 Building $185,070

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	Not rated no burnable land within 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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