1343 Summerfield, Waterloo, IL 62298 Property Records

Monroe County property record for 1343 Summerfield, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,134 sqft · built 2005
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Jan 2021)
Deeds & Mortgages	May 2018 Mortgage Jan 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-051-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-051-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,134 sqft Building Perimeter
1st Floor Area	1,134 sqft
Basement Area	722 sqft
Unfinished Basement	722 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Mixed
Garage Area	324 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft
Porch	Slab
Porch Area	186 sqft
Patio Area	558 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1343 SUMMERFIELD
City	WATERLOO
State	IL
Zip	62298-2873
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 51 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	51
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4023
Census Tract	600501

Owner

Source: Monroe County records · APN 10-01-134-051-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	1343 SUMMERFIELD, WATERLOO, IL 62298-2873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORP
Jan 21, 2021	Warranty Deed, Construction Loan · Construction Mortgage CARROLLTON BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 21, 2021 · Amount on Record
Deed Sale	Jan 21, 2021 · Amount on Record
Deed Document Number	2021414368
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1343 SUMMERFIELD, WATERLOO, IL 62298-2873
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NATIONWIDE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395906
Date	May 16, 2018
Instrument	395906

Lender

Name	HOME POINT FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2038

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 21, 2021
Property Address	1343 SUMMERFIELD, WATERLOO, IL 62298-2873
Document Number	0000414368
Instrument Date	Jan 19, 2021
Instrument	414368
Transaction Type	Construction Loan
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Full Amount Stated
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	1343 SUMMERFIELD, WATERLOO, IL 62298-2873

Mortgage

Document Number	0000414369
Date	Jan 21, 2021
Instrument	414369

Lender

Name	CARROLLTON BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	2%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$106,700 (+24.88%) Land $17,180 Building $89,520	$320,100 (+24.88%) Land $51,540 Building $268,560
2022	Additional exemption filed	$85,440 Land $15,650 Building $69,790	$256,320 Land $46,950 Building $209,370

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 3% of the US · above 21% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 123 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
HTC Holding	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
HTC Holding	DSL	100 / 20

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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