2308 Hh Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 2308 Hh Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 7 ba · 2,481 sqft · built 2007
Lot Size	10.2 acres (446,490 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Aug 2025)
Tax Bill	$19,572 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-200-006-000`

Property Details

APN / Parcel Number

Primary APN	`06-13-200-006-000`

Interior

Bedrooms	1 Bed
Full Baths	7 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,481 sqft Living Area
1st Floor Area	2,481 sqft
Basement Area	2,481 sqft
Unfinished Basement	2,481 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	446,490 sqft (10.2 acres)
Garage Area	883 sqft
Driveway	Concrete Driveway
Driveway Area	1,732 sqft

Exterior Amenities

Pool Type	Pool Type
Pool Area	1,040 sqft
Porch	Slab
Porch Area	735 sqft
Patio Area	1,960 sqft
Shed	1 Shed
Shed Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2308 HH RD
City	WATERLOO
State	IL
Zip	62298-5300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOT 2 SUR 400
Legal Range	11W
Legal Township	02S
Legal Section	13
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	15
Census Block Group	1
Census Block	1043
Census Tract	600402

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	2308 HH RD, WATERLOO, IL 62298-5300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Oct 2, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS CMNTY BK
Aug 15, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS COMMUNITY BANK
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Document Number	2025438803
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Jun 16, 2026
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Document Number	0000443067
Instrument Date	Jun 8, 2026
Instrument	2026443067
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2308 HH RD, WATERLOO, IL 62298-5300
Investor	Possibly a Property Investor

Mortgage

Document Number	0000443067,
Date	Jun 16, 2026
Instrument	2026443067

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 20, 2026
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Document Number	0000442165
Instrument Date	Apr 4, 2026
Instrument	2026442165
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2308 HH RD, WATERLOO, IL 62298-5300
Investor	Possibly a Property Investor

Mortgage

Document Number	0000442165,
Date	Apr 20, 2026
Instrument	2026442165

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2056

Interest

Rate	7.88%
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000441160
Date	Feb 5, 2026
Instrument	441160

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.13%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416257
Date	Apr 8, 2021
Instrument	416257

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Document Number	0000398236
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2308 HH RD WATERLOO IL 622985300, WATERLOO, IL 62298-5300

Mortgage

Document Number	0000398236
Date	Oct 12, 2018
Instrument	398236

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 11, 2028

Interest

Rate Type	Adjustable Rate
Rate	5%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 15, 2018
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Document Number	0000397393
Map Reference	DOC 392939
Instrument Date	Aug 13, 2018
Instrument	397393
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,192.50
Amount Accuracy	Calculated from Transfer Tax
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	2308 HH RD, WATERLOO, IL 62298-5300

Mortgage

Document Number	0000397394
Date	Aug 15, 2018
Instrument	397394

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2308 HH RD, WATERLOO, IL 62298-5300
Document Number	0000391263
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 11, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2308 HH RD WATERLOO IL 622985300, WATERLOO, IL 62298-5300

Mortgage

Document Number	0000391263
Date	Aug 3, 2017
Instrument	391263

Lender

Name	COMMERCE BK
Type	Bank
Address	ST LOUIS, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Valmeyer Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$327,090 (-3.79%) Land $32,490 Building $294,600	$981,270 (-3.79%) Land $97,470 Building $883,800
2024	$19,572.00	$339,969 (+6.8%) Land $34,313 Building $305,656	$1,019,907 (+6.8%) Land $102,939 Building $916,968
2022		$318,310 Land $32,490 Building $285,820	$954,930 Land $97,470 Building $857,460

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	5 (1993–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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