2623 Kk Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 2623 Kk Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 775 sqft · built 1920
Lot Size	0.48 acres (20,850 sqft)
Owner	2 Individual Names on File
Last Sale	$143,000 (Oct 2025)
Tax Bill	$1,892 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-19-201-001-000`

Property Details

APN / Parcel Number

Primary APN	`10-19-201-001-000`
Alternative APN	`10190000000200 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	775 sqft Living Area
1st Floor Area	775 sqft
Basement Area	210 sqft
Unfinished Basement	210 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Foundation Type	Raised
Lot Area	20,850 sqft (0.48 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	300 sqft
Deck Area	200 sqft
Patio Area	187 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2623 KK RD
City	WATERLOO
State	IL
Zip	62298-4115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR4
Legal Description	LOTS 11 & 13 MADONNAVILLE 0170620
Legal Range	10W
Legal Township	03S
Legal Section	19
Legal Subdivision	MADONNAVILLE
Legal Lot Number	11,13
Jurisdiction	MONROE IL
Township / Civil Division	23
Census Block Group	1
Census Block	1054
Census Tract	600501

Owner

2623 Kk Rd is owned by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 RICHARD PL, BELLEVILLE, IL 62223-2527
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF BELLEVILLE
Oct 6, 2025	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Jul 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Deed Document Number	2025439517
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Sep 18, 2026
Property Address	2623 KK RD, WATERLOO, IL 62298-4115
Document Number	0000444449
Instrument Date	Sep 17, 2026
Instrument	2026444449
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2623 KK RD, WATERLOO, IL 62298-4115

Mortgage

Document Number	0000444449,
Date	Sep 18, 2026
Instrument	2026444449

Lender

Name	BANK OF BELLEVILLE

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 6, 2025
Property Address	2623 KK RD, WATERLOO, IL 62298-4115
Document Number	0000439517
Instrument Date	Oct 3, 2025
Instrument	439517
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2623 KK RD, WATERLOO, IL 62298-4115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2623 KK RD, WATERLOO, IL 62298-4115

Mortgage

Document Number	0000439518
Date	Oct 6, 2025
Instrument	439518

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.13%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2623 KK RD, WATERLOO, IL 62298-4115
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418497
Date	Jul 16, 2021
Instrument	418497

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2051

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2623 KK RD, WATERLOO, IL 62298-4115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396764
Date	Jul 5, 2018
Instrument	396764

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2623 Kk Rd was $1,892, down 4.1% from the year before.

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

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	$1,892.00 (-4.11%) Homeowner's exemption Disabled Person's exemption	$42,490 (-2.77%) Land $6,860 Building $35,630	$127,470 (-2.77%) Land $20,580 Building $106,890
2024	$1,973.00 Additional exemption filed	$43,702 Land $7,245 Building $36,457	$131,106 Land $21,735 Building $109,371
2022	Additional exemption filed	$36,260 Land $6,860 Building $29,400	$108,780 Land $20,580 Building $88,200

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

FEMA maps place 2623 Kk Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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 Claims	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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 2623 Kk Rd is low, with 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 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

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

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