1412 Oak Tree Ct, Waterloo, IL 62298 Property Records

Monroe County property record for 1412 Oak Tree Ct, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,078 sqft · built 2005
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,635 (2024)
Deeds & Mortgages	Aug 2020 Transfer Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-01-150-105-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-150-105-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,078 sqft Living Area
1st Floor Area	2,078 sqft
Basement Area	2,078 sqft
Unfinished Basement	2,078 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	17,424 sqft (0.4 acres)
Garage Area	800 sqft
Driveway	Concrete Driveway
Driveway Area	1,184 sqft
Porch	Slab
Porch Area	288 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1412 OAK TREE CT
City	WATERLOO
State	IL
Zip	62298-2769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 105 3RD ADDN VANDEBROOK PHASE II
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	VANDEBROOK ESTATES
Legal Lot Number	105
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4022
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 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	1412 OAK TREE CT, WATERLOO, IL 62298-2769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Intrafamily Transfer, Transfer
Apr 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 13, 2020
Transfer Doc	0000410369
Record Updated	Sep 20, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Aug 20, 2020
Property Address	1412 OAK TREE CT, WATERLOO, IL 62298-2769
Document Number	0000410369
Instrument Date	Aug 13, 2020
Instrument	410369
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1412 OAK TREE CT, WATERLOO, IL 62298-2769

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1412 OAK TREE CT, WATERLOO, IL 62298-2769
Document Number	0000389273
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1412 OAK TREE CT WATERLOO IL 622982769, WATERLOO, IL 62298-2769

Mortgage

Document Number	0000389273
Date	Apr 17, 2017
Instrument	389273

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 16, 2037

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$116,560 (+16.54%) Land $16,200 Building $100,360	$349,680 (+16.54%) Land $48,600 Building $301,080
2024	$6,635.00
2022	Homeowner's exemption Additional exemption filed	$100,020 Land $15,910 Building $84,110	$300,060 Land $47,730 Building $252,330

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 98 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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