2970 Trout Camp Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 2970 Trout Camp Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,558 sqft · built 1990
Lot Size	4.45 acres (193,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$9,809 (Jun 2021)
Tax Bill	$6,707 (2025)
Deeds & Mortgages	Jun 2021 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-300-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-300-003-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	193,842 sqft (4.45 acres)
Garage Area	618 sqft

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	336 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2970 TROUT CAMP RD
City	WATERLOO
State	IL
Zip	62298-4900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SE NW & PART NE SW
Legal Range	10W
Legal Township	02S
Legal Section	29
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3015
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	2970 TROUT CAMP RD, WATERLOO, IL 62298-4900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed, Transfer
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021 · Amount on Record
Deed Sale	Jun 14, 2021 · Amount on Record
Deed Document Number	2021417790
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Jun 14, 2021
Property Address	2970 TROUT CAMP RD, WATERLOO, IL 62298-4900
Document Number	0000417790
Instrument Date	Jun 11, 2021
Instrument	417790
Transaction Type	Transfer
Record Updated	Jul 7, 2021

Transaction

Amount	Amount Recorded
Tax	$1.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2970 TROUT CAMP RD, WATERLOO, IL 62298-4900

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2970 TROUT CAMP RD, WATERLOO, IL 62298-4900
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415374
Date	Mar 4, 2021
Instrument	415374

Lender

Name	STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2970 TROUT CAMP RD, WATERLOO, IL 62298-4900
Document Number	0000406224
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2970 TROUT CAMP RD WATERLOO IL 622984900, WATERLOO, IL 62298-4900

Mortgage

Document Number	0000406224
Date	Feb 19, 2020
Instrument	406224

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 18, 2030

Interest

Rate Type	Adjustable Rate
Rate	5%

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	$6,707.00 Homeowner's exemption	$117,710 (+46.41%) Land $22,690 Building $95,020	$353,130 (+46.41%) Land $68,070 Building $285,060
2024	$6,707.00
2022	Additional exemption filed	$80,400 Land $16,110 Building $64,290	$241,200 Land $48,330 Building $192,870

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000

May also be available: T-Mobile, Wisper ISP.

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