2654 Schrader Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 2654 Schrader Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,697 sqft · built 1979
Lot Size	12 acres (524,027 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Sep 2021)
Tax Bill	$5,528 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-06-400-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-06-400-007-000`
Alternative APN	`07060000001702 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Building Area	1,697 sqft Building Perimeter
1st Floor Area	1,713 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level
Construction Type	Frame
Lot Area	524,027 sqft (12 acres)
Garage Area	528 sqft

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	384 sqft
Patio Area	342 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2654 SCHRADER DR
City	WATERLOO
State	IL
Zip	62298-5325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART S/2 SE & PART LOTS 7A & 13A
Legal Range	10W
Legal Township	02S
Legal Section	06
Legal Lot Number	7A,13A
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2654 SCHRADER DR, WATERLOO, IL 62298-5325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Sep 16, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
May 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Deed Document Number	2021419693
Prior Transfer Date	Apr 23, 2018
Prior Transfer Doc	0000395649
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2654 SCHRADER DR, WATERLOO, IL 62298-5325
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427783
Date	Feb 1, 2023
Instrument	427783

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Sep 16, 2021
Property Address	2654 SCHRADER DR, WATERLOO, IL 62298-5325
Document Number	0000419693
Instrument Date	Sep 14, 2021
Instrument	419693
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
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	2654 SCHRADER DR, WATERLOO, IL 62298-5325

Mortgage

Document Number	0000419694
Date	Sep 16, 2021
Instrument	419694

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2654 SCHRADER DR, WATERLOO, IL 62298-5325
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416183
Date	Apr 6, 2021
Instrument	416183

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 3, 2018
Property Address	2654 SCHRADER DR, WATERLOO, IL 62298-5325
Document Number	0000395649
Instrument Date	Apr 23, 2018
Instrument	395649
Transaction Type	Transfer
Record Updated	May 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2654 SCHRADER DR WATERLOO IL 622985325, WATERLOO, IL 62298-5325

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	$5,528.00 (-16.09%) Homeowner's exemption	$98,040 (-9.61%) Land $21,400 Building $76,640	$294,120 (-9.61%) Land $64,200 Building $229,920
2024	$6,588.00
2022	Additional exemption filed	$108,460 Land $35,500 Building $72,960	$325,380 Land $106,500 Building $218,880

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

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

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