2908 Db Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 2908 Db Rd, Waterloo, IL 62298 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Year Built	Built 2018
Square Footage	1,814 sqft Living Area
Lot Size	871,200 sqft (20 acres)
Garage	889 sqft
Occupancy	Owner Occupied
Tax Bill	$6,832.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`10-08-100-004-000`

Interior

Bedrooms	3 Beds
Building Area	1,814 sqft Living Area
1st Floor	1,814 sqft 1st Floor
Basement Area	1,814 sqft Basement
Unfinished Basement	1,814 sqft Unfinished

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	871,200 sqft (20 acres)
Garage Area	889 sqft Garage

Utilities and HVAC

Cooling System	Central Cooling

Location & Zoning

Street Address	2908 DB RD
City	WATERLOO
State	IL
Zip	62298-6336
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PART W/2 NW/4
Legal Range	10W
Legal Township	03S
Legal Section	08
Jurisdiction	MONROE IL
Minor Civil Division	12
Census Blockgroup	1
Census Block	1038
Census Tract	600501

Owner

Source: Monroe County records · APN 10-08-100-004-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	2908 DB RD, WATERLOO, IL 62298-6336
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Feb 08, 2018	Deed of Trust, Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2908 DB RD, WATERLOO, IL 62298-6336
Transaction Type	Mortgage
Record Updated	May 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423811
Date	Apr 14, 2022
Instrument	423811

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2032

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2908 DB RD, WATERLOO, IL 62298-6336
Transaction Type	Mortgage
Record Updated	Nov 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420448
Date	Oct 20, 2021
Instrument	420448

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 01, 2041

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2908 DB RD, WATERLOO, IL 62298-6336
Document Number	0000394387
Instrument Date	Feb 08, 2018
Transaction Type	Mortgage
Record Updated	Feb 27, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2908 DB RD WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000394387
Date	Feb 16, 2018
Instrument	394387

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,706 (+15.26%) Land $18,036 Building $115,670
2024	$6,832.00		$372,207 Land $54,330 Building $317,877
2022	Additional exemption filed	$116,006 Land $16,306 Building $99,700

Flood & Wildfire

2908 Db Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 3rd percentile of exposed land nationally · 21st in Illinois
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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