1324 Summerfield, Waterloo, IL 62298 Property Records

Monroe County property record for 1324 Summerfield, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,692 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Tax Bill	$5,906 (2025)
Deeds & Mortgages	Mar 2022 Construction Loan Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-075-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-075-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	484 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft
Porch	Slab
Porch Area	72 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1324 SUMMERFIELD
City	WATERLOO
State	IL
Zip	62298-2874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 75 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	75
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 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1324 SUMMERFIELD, WATERLOO, IL 62298-2874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Construction Mortgage STATE BANK
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1324 SUMMERFIELD, WATERLOO, IL 62298-2874
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422965
Date	Mar 7, 2022
Instrument	422965

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1324 SUMMERFIELD, WATERLOO, IL 62298-2874
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422966
Date	Mar 7, 2022
Instrument	422966

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 15, 2032

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	$5,906.00 (+6.72%) Homeowner's exemption	$101,830 (+25.82%) Land $16,790 Building $85,040	$305,490 (+25.82%) Land $50,370 Building $255,120
2024	$5,534.00
2022	Additional exemption filed	$80,930 Land $15,410 Building $65,520	$242,790 Land $46,230 Building $196,560

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	Direct burnable vegetation

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.

Nearby Properties on Summerfield

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures