2501 Cemetery Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 2501 Cemetery Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,458 sqft · built 1995
Lot Size	2.19 acres (95,396 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,956 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2017 Line of Credit
APN	`17-31-0-400-012`

Property Details

APN / Parcel Number

Primary APN	`17-31-0-400-012`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,458 sqft Living Area
Basement Area	1,458 sqft
Unfinished Basement	1,458 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	95,396 sqft (2.19 acres)
Garage Type	Mixed
Garage Area	648 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	2,256 sqft
Deck Area	401 sqft
Patio Area	1,324 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2501 CEMETERY RD
City	WATERLOO
State	IL
Zip	62298-5603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRAIRIE DU LONG TWPSEC 31 LOT/SEC-31-SUBL/TWP-2S-BLK/RG-8W PT SE 1/4 IN A02158121
Legal Range	08W
Legal Township	02S
Legal Section	31
Legal Subdivision	PRAIRIE DU LONG TWP
Legal Block	400
Jurisdiction	ST CLAIR IL
Township / Civil Division	PRAIRIE DU LONG
Census Block Group	3
Census Block	3061
Census Tract	504001

Owner

2501 Cemetery Rd is owned and occupied by two individuals who acquired it in April 2009.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2501 CEMETERY RD, WATERLOO, IL 62298-5603
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 4, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 24, 2009
Transfer Doc	0002158121
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2501 CEMETERY RD, WATERLOO, IL 62298-5603
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02793838
Date	Oct 4, 2023
Instrument	A02793838

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2501 CEMETERY RD, WATERLOO, IL 62298-5603
Document Number	00A2527882
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2501 CEMETERY RD WATERLOO IL 622985603, WATERLOO, IL 62298-5603

Mortgage

Document Number	00A2527882
Date	Feb 24, 2017
Instrument	2527882

Lender

Name	PNC BK
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Feb 23, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2501 Cemetery Rd was $8,956 with a homeowner's exemption, up 6.2% from the year before.

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Prairie Du Long Township
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,956.00 (+6.24%) Homeowner's exemption	$153,232 (+8.18%) Land $9,617 Building $143,615	$459,696 (+8.18%) Land $28,851 Building $430,845
2024	$8,430.00	$141,643 Land $9,400 Building $132,243	$424,929 Land $28,200 Building $396,729
2022		$122,926 Land $8,158 Building $114,768	$368,778 Land $24,474 Building $344,304
2019	$6,851.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 2501 Cemetery Rd; there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2011 · other causes

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

Wildfire risk around 2501 Cemetery Rd 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

May also be available: Frontier, Wisper ISP.

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