3001 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3001 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,856 sqft · built 1978
Lot Size	15.5 acres (678,665 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Aug 2021)
Tax Bill	$130 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`07-08-300-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-08-300-010-000`
Alternative APN	`07080000001304 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,856 sqft Living Area
1st Floor Area	1,240 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Lot Area	678,665 sqft (15.5 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	168 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3001 CEDAR RIDGE LN
City	WATERLOO
State	IL
Zip	62298-6003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART S/2 & PART SUR 597
Legal Range	10W
Legal Township	02S
Legal Section	08
Legal Subdivision	PRAIRIE LAKE MEADOWS ADD NO 1
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2005
Census Tract	600402

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 26, 2021	Warranty Deed, Transfer · VA Mortgage CARROLLTON BANK
Aug 19, 2020	Deed of Trust, Mortgage · Construction Mortgage ACCESS CAPITAL FUNDING
Jun 17, 2019	Intrafamily Transfer, Transfer · Construction Mortgage ACCESS CAPITAL FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Jun 17, 2019
Deed Document Number	2021419346
Prior Transfer Date	Jun 10, 2019
Prior Transfer Doc	0000401961
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 7, 2026
Property Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003
Document Number	0000442008
Instrument Date	Mar 30, 2026
Instrument	2026442008
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003
Investor	Possibly a Property Investor

Mortgage

Document Number	0000442008,
Date	Apr 7, 2026
Instrument	2026442008

Lender

Name	SUN WEST MORTGAGE COMPANY INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 26, 2021
Property Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003
Document Number	0000419346
Instrument Date	Aug 24, 2021
Instrument	419346
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens 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	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003

Mortgage

Document Number	0000419347
Date	Aug 26, 2021
Instrument	419347

Lender

Name	CARROLLTON BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000410341
Date	Aug 19, 2020
Instrument	410341

Lender

Name	ACCESS CAPITAL FUNDING
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Jun 17, 2019
Property Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003
Document Number	0000401961
Instrument Date	Jun 10, 2019
Instrument	401961
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3001 CEDAR RIDGE LN, WATERLOO, IL 62298-6003

Mortgage

Document Number	0000401962
Date	Jun 17, 2019
Instrument	401962

Lender

Name	ACCESS CAPITAL FUNDING

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$130.00 (+10.17%) Homeowner's exemption Disabled Person's exemption	$118,029 (-6.17%) Land $21,669 Building $96,360	$354,087 (-6.17%) Land $65,007 Building $289,080
2024	$118.00	$125,795 (+22.57%) Land $22,530 Building $103,265	$377,385 (+22.57%) Land $67,590 Building $309,795
2022	Disabled Person's exemption Additional exemption filed	$102,628 Land $21,038 Building $81,590	$307,884 Land $63,114 Building $244,770

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

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

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