Monroe County property record for 3025 Cedar Ridge Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,166 sqft · built 1979 |
| Lot Size | 5.96 acres (259,618 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,946 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-08-400-003-000 |
| Primary APN | 07-08-400-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,166 sqft Building Perimeter |
| 1st Floor Area | 1,166 sqft |
| Basement Area | 1,166 sqft |
| Unfinished Basement | 1,166 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Frame |
| Lot Area | 259,618 sqft (5.96 acres) |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 263 sqft |
| Pool Area | 384 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 72 sqft |
| Deck Area | 490 sqft |
| Patio Area | 528 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3025 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 NW SE & PART NE SW |
| 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 |
3025 Cedar Ridge Ln is owner-occupied and held in a trust since February 2021.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3025 CEDAR RIDGE LN, WATERLOO, IL 62298-6003 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Last Transfer Date | Feb 22, 2021 |
| Transfer Doc | 0000415943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 31, 2021 |
| Property Address | 3025 CEDAR RIDGE LN, WATERLOO, IL 62298-6003 |
| Document Number | 0000415943 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 415943 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3025 CEDAR RIDGE LN, WATERLOO, IL 62298-6003 |
| Document Number | 0000415944 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 415944 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 2.13% |
|---|
The 2025 property tax bill for 3025 Cedar Ridge Ln was $4,946, down 2.3% 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 | $4,946.00 (-2.25%) Homeowner's exemption | $88,330 Land $19,090 Building $69,240 | $264,990 Land $57,270 Building $207,720 |
| 2024 | $5,060.00 | ||
| 2022 | Additional exemption filed | $88,330 Land $19,090 Building $69,240 | $264,990 Land $57,270 Building $207,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3025 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 3025 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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