Monroe County property record for 3019 Cedar Ridge Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,488 sqft · built 1978 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Nov 2025) |
| Tax Bill | $4,899 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-08-300-009-000 |
| Primary APN | 07-08-300-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,488 sqft Building Perimeter |
| 1st Floor Area | 816 sqft |
| Upper Floors Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Lot Area | 217,800 sqft (5 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 112 sqft |
| Deck Area | 75 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3019 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 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 08 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
3019 Cedar Ridge Ln is owned by two individuals who bought it in November 2025.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6305 LL RD, WATERLOO, IL 62298-4017 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2025 · Amount on File |
| Deed Sale | Nov 17, 2025 · Amount on File |
| Deed Document Number | 2025440119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 17, 2025 |
| Property Address | 3019 CEDAR RIDGE LN, WATERLOO, IL 62298-6003 |
| Document Number | 0000440119 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 440119 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $52.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 411 HILLCREST DR, WATERLOO, IL 62298-1713 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3019 CEDAR RIDGE LN, WATERLOO, IL 62298-6003 |
| Document Number | 0000440120 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 440120 |
| Name | FLAT BRANCH MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
The 2025 property tax bill for 3019 Cedar Ridge Ln was $4,899, up 9.2% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,899.00 (+9.23%) Homeowner's exemption | $82,750 (-6.36%) Land $23,620 Building $59,130 | $248,250 (-6.36%) Land $70,860 Building $177,390 |
| 2024 | $4,485.00 Homeowner's exemption Additional exemption filed | $88,374 Land $24,945 Building $63,429 | $265,122 Land $74,835 Building $190,287 |
| 2022 | Homeowner's exemption Additional exemption filed | $79,750 Land $23,620 Building $56,130 | $239,250 Land $70,860 Building $168,390 |
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.
FEMA maps place 3019 Cedar Ridge Ln in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 3019 Cedar Ridge Ln is low, with a 0.02% annual chance of 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 | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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