St. Clair County property record for 2824 Ranch Trail Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,008 sqft · built 1994 |
| Lot Size | 12.7 acres (555,390 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $289,000 (Oct 2022) |
| Tax Bill | $5,667 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Sep 2020 Sale & Mortgage |
| APN | 17-30-0-303-013 |
| Primary APN | 17-30-0-303-013 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Attic | Attic |
| Attic Area | 400 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 555,390 sqft (12.7 acres) |
| Garage Area | 936 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 448 sqft |
| Deck Area | 288 sqft |
| Patio Area | 720 sqft |
| Lean-To | 360 sqft |
| Pole Barn | 864 sqft |
| Cooling System | Central |
|---|
| Street Address | 2824 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 A02763136 |
| Legal Range | 08W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PRAIRIE DU LONG TWP |
| Legal Block | 303 |
| 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 September 21, 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 | 2824 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2022 | Warranty Deed, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Sep 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on Record |
| Deed Sale | Oct 13, 2022 · Amount on Record |
| Prior Sale | Sep 3, 2020 · Amount on Record |
| Deed Document Number | 20222763136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Oct 13, 2022 |
| Property Address | 2824 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 0A02763136 |
| Instrument Date | Oct 11, 2022 |
| Instrument | A02763136 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2022 |
| Title Company | TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2824 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 0A02763137 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | A02763137 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 3, 2020 |
| Property Address | 2824 RANCH TRAIL RD, WATERLOO, IL 62298-4223 |
| Document Number | 00A2665573 |
| Instrument Date | Sep 2, 2020 |
| Instrument | 2665573 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2020 |
| Title Company | TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $398.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2824 RANCH TRAIL RD WATERLOO IL 622984223, WATERLOO, IL 62298-4223 |
| Document Number | A2665574 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 2665574 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 2, 2050 |
Source: St. Clair County assessment roll, as of September 21, 2026
| 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 |
|---|---|---|---|
| 2025 | $5,667.00 (+29.74%) | $90,303 (+42.12%) Land $33,306 Building $56,997 | $270,909 (+42.12%) Land $99,918 Building $170,991 |
| 2022 | $63,538 Land $21,635 Building $41,903 | $190,614 Land $64,905 Building $125,709 | |
| 2019 | $4,368.00 |
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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