1331 Summerfield, Waterloo, IL 62298 Property Records

Monroe County property record for 1331 Summerfield, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,102 sqft · built 2005
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,685 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-054-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-054-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,102 sqft Building Perimeter
1st Floor Area	1,102 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	Raised
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Mixed
Garage Area	544 sqft
Driveway	Concrete Driveway
Driveway Area	957 sqft

Exterior Amenities

Porch	Slab
Porch Area	562 sqft
Deck Area	120 sqft
Patio Area	582 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1331 SUMMERFIELD
City	WATERLOO
State	IL
Zip	62298-2873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 54 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	54
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4023
Census Tract	600501

Owner

1331 Summerfield is owned and occupied by two individuals.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1331 SUMMERFIELD, WATERLOO, IL 62298-2873
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Aug 15, 2017	Warranty Deed, Transfer VETERANS UNITED HM LNS

Assessor's Deed Record

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1331 SUMMERFIELD, WATERLOO, IL 62298-2873
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000411646
Date	Oct 13, 2020
Instrument	411646

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 15, 2017
Property Address	1331 SUMMERFIELD, WATERLOO, IL 62298-2873
Document Number	0000391438
Instrument Date	Aug 16, 2017
Instrument	391438
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4476 JJ RD WATERLOO IL 622982720, WATERLOO, IL 62298-2720

Mortgage

Document Number	391439
Date	Aug 15, 2017
Instrument	391439

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1331 Summerfield was $6,685, up 7.3% from the year before.

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	$6,685.00 (+7.25%) Homeowner's exemption	$115,320 Land $17,750 Building $97,570	$345,960 Land $53,250 Building $292,710
2024	$6,233.00
2022	Additional exemption filed	$92,610 Land $15,980 Building $76,630	$277,830 Land $47,940 Building $229,890

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

FEMA maps place 1331 Summerfield in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1331 Summerfield is low, with less than a 0.01% annual chance of 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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