St. Clair County property record for 2819 Ranch Trail Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 960 sqft · built 1977 |
| Lot Size | 2.97 acres (129,373 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Feb 2024) |
| Tax Bill | $2,993 (2019) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Dec 2021 Line of Credit + 1 more |
| APN | 17-30-0-303-012 |
| Primary APN | 17-30-0-303-012 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 960 sqft Living Area |
| Gross Area | 1,548 sqft |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 129,373 sqft (2.97 acres) |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 984 sqft |
| Deck Area | 14,400 sqft |
| Patio Area | 144 sqft |
| Fence | Fence |
| Pole Barn | 120,000 sqft |
| Cooling System | Central |
|---|
| Street Address | 2819 RANCH TRAIL RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE DU LONG TWPSEC 30 LOT/SEC-30-SUBL/TWP-2S-BLK/RG-8W PT LOT 8 AS IN A02603363 |
| Legal Range | 08W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PRAIRIE DU LONG TWP |
| Legal Lot Number | 8 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | PRAIRIE DU LONG |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 504001 |
Source: St. Clair County records, as of March 6, 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2819 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD |
| Dec 28, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 5, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2024 · Amount on Record |
| Deed Sale | Feb 22, 2024 · Amount on Record |
| Prior Sale | Feb 5, 2019 · Amount on Record |
| Deed Document Number | A02805963 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Feb 22, 2024 |
| Property Address | 2819 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 0A02805963 |
| Map Reference | MB 1 PG 58 |
| Instrument Date | Feb 22, 2024 |
| Instrument | A02805963 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2024 |
| Title Company | TOWN AND COUNTRY TITLE COMPANY, TOWN& COUNTY TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2819 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 0A02805964 |
|---|---|
| Date | Feb 22, 2024 |
| Instrument | A02805964 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 2819 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2819 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 0A02731339 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | A02731339 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 20, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.7% |
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Feb 5, 2019 |
| Property Address | 2819 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 00A2603363 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 2603363 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $232.35 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2819 RANCH TRAIL RD WATERLOO IL 622984223, WATERLOO, IL 62298-4223 |
| Document Number | A2603364 |
|---|---|
| Date | Feb 5, 2019 |
| Instrument | 2603364 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 4, 2049 |
| Rate | 4.62% |
|---|
Source: St. Clair County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | St. Clair County |
| County Subdivision | Prairie Du Long Township |
| Unified School District | New Athens Community Unit School District 60 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $53,605 Land $10,086 Building $43,519 | $160,815 Land $30,258 Building $130,557 | |
| 2019 | $2,993.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 65% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HECKER serves 429 people · EPA ID IL1330150 |
|---|---|
| Water Source | Purchased surface water from FSH WATER COMMISSION |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Copper | 2.8 mg/L (2023) action level 1.3 mg/L |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Apr 2024 |
| Monitoring and Reporting | 7 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
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