1327 Summerfield, Waterloo, IL 62298 Property Records

Monroe County property record for 1327 Summerfield, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,236 sqft · built 2004
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,790 (2025)
Deeds & Mortgages	Sep 2021 Construction Loan Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-055-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-055-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,236 sqft Building Perimeter
1st Floor Area	1,136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Foundation Type	Raised
Lot Area	19,166 sqft (0.44 acres)
Garage Area	698 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	544 sqft
Porch	Slab
Porch Area	36 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1327 SUMMERFIELD
City	WATERLOO
State	IL
Zip	62298-2873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 55 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	55
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1327 SUMMERFIELD, WATERLOO, IL 62298-2873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Construction Mortgage F & B ACQUISITION GROUP LLC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional with PMI F&B ACQUISITION
Feb 21, 2018	Deed of Trust, Mortgage · Conventional with PMI F&B ACQUISITION

Assessor's Deed Record

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1327 SUMMERFIELD, WATERLOO, IL 62298-2873
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419551
Date	Sep 8, 2021
Instrument	419551

Lender

Name	F & B ACQUISITION GROUP LLC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1327 SUMMERFIELD, WATERLOO, IL 62298-2873
Document Number	0000404544
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1327 SUMMERFIELD WATERLOO IL 622982873, WATERLOO, IL 62298-2873

Mortgage

Document Number	0000404544
Date	Nov 4, 2019
Instrument	404544

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Nov 3, 2034

Interest

Rate	3.75%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1327 SUMMERFIELD, WATERLOO, IL 62298-2873
Document Number	0000394591
Instrument Date	Feb 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2018
Title Company	TOWN AND COUNTRY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1327 SUMMBERFIELD DR WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000394591
Date	Feb 28, 2018
Instrument	394591

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

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	$6,790.00 (+7.25%) Homeowner's exemption	$117,040 (+24.34%) Land $17,890 Building $99,150	$351,120 (+24.34%) Land $53,670 Building $297,450
2024	$6,331.00
2022	Additional exemption filed	$94,130 Land $16,100 Building $78,030	$282,390 Land $48,300 Building $234,090

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.

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