2555 Oakridge Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 2555 Oakridge Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,204 sqft · built 1977
Lot Size	7.7 acres (335,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Dec 2023)
Tax Bill	$6,119 (2025)
Deeds & Mortgages	Dec 2023 Sale & Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-07-200-006-000`

Property Details

APN / Parcel Number

Primary APN	`07-07-200-006-000`
Alternative APN	`07070000000303 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,204 sqft Building Perimeter
1st Floor Area	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Foundation Type	Raised
Lot Area	335,412 sqft (7.7 acres)
Garage Area	484 sqft
Driveway	Asphalt Driveway
Driveway Area	1,520 sqft

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	140 sqft
Patio Area	516 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2555 OAKRIDGE DR
City	WATERLOO
State	IL
Zip	62298-5332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOT 4A 0122059
Legal Range	10W
Legal Township	02S
Legal Section	07
Legal Subdivision	OAK RDG ESTATES 09
Legal Lot Number	4A
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2007
Census Tract	600402

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2555 OAKRIDGE DR, WATERLOO, IL 62298-5332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE INC
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Deed Document Number	2023431421
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 8, 2023
Property Address	2555 OAKRIDGE DR, WATERLOO, IL 62298-5332
Document Number	0000431421
Map Reference	MB A PG 134
Instrument Date	Dec 7, 2023
Instrument	431421
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2555 OAKRIDGE DR, WATERLOO, IL 62298-5332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2555 OAKRIDGE DR, WATERLOO, IL 62298-5332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000431422
Date	Dec 8, 2023
Instrument	431422

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.65%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2555 OAKRIDGE DR, WATERLOO, IL 62298-5332
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422291
Date	Jan 24, 2022
Instrument	422291

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,119.00 (+8.03%) Homeowner's exemption	$107,924 (+28.74%) Land $19,894 Building $88,030	$323,772 (+4.07%) Land $59,682 Building $264,090
2024	$5,664.00		$311,121 (+23.71%) Land $62,757 Building $248,364
2022	Homeowner's exemption Additional exemption filed	$83,832 Land $19,722 Building $64,110	$251,496 Land $59,166 Building $192,330

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 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 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	0.01% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	50 / 10

May also be available: Verizon, Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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