3030 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3030 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,042 sqft · built 1980
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$352,500 (Oct 2020)
Tax Bill	$6,926 (2025)
Deeds & Mortgages	Oct 2020 Sale & Construction Loan Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-08-400-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-08-400-004-000`
Alternative APN	`07080000001307 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,042 sqft Living Area
1st Floor Area	2,042 sqft
Basement Area	802 sqft
Unfinished Basement	802 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	217,800 sqft (5 acres)
Garage Area	720 sqft
Driveway	Concrete Driveway
Driveway Area	121 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	95 sqft
Deck Area	647 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3030 CEDAR RIDGE LN
City	WATERLOO
State	IL
Zip	62298-6004
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

Owner

3030 Cedar Ridge Ln is owned and occupied by two individuals who bought it in October 2020.

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 File
Mailing Address	3030 CEDAR RIDGE LN, WATERLOO, IL 62298-6004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Warranty Deed, Construction Loan · Construction Mortgage GUARANTEED RATE INC
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on File
Deed Sale	Oct 9, 2020 · Amount on File
Deed Document Number	2020411636
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 9, 2020
Property Address	3030 CEDAR RIDGE LN, WATERLOO, IL 62298-6004
Document Number	0000411636
Instrument Date	Oct 9, 2020
Instrument	411636
Transaction Type	Construction Loan
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3030 CEDAR RIDGE LN, WATERLOO, IL 62298-6004

Mortgage

Document Number	0000411637
Date	Oct 9, 2020
Instrument	411637

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	2.99%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3030 CEDAR RIDGE LN, WATERLOO, IL 62298-6004
Document Number	0000402299
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3030 CEDAR RIDGE LN WATERLOO IL 622986004, WATERLOO, IL 62298-6004

Mortgage

Document Number	0000402299
Date	Jul 5, 2019
Instrument	402299

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3030 Cedar Ridge Ln was $6,926, down 3.4% from the year before.

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	$6,926.00 (-3.4%) Homeowner's exemption	$121,380 Land $23,620 Building $97,760	$364,140 Land $70,860 Building $293,280
2024	$7,170.00
2022	Additional exemption filed	$118,870 Land $23,620 Building $95,250	$356,610 Land $70,860 Building $285,750

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

FEMA maps place 3030 Cedar Ridge Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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

Wildfire risk around 3030 Cedar Ridge Ln is low, with a 0.01% 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	0.01% 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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