3103 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3103 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,722 sqft · built 1978
Lot Size	7 acres (304,920 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,083 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-08-400-009-000`

Property Details

APN / Parcel Number

Primary APN	`07-08-400-009-000`
Alternative APN	`07080000001701 00`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	1,722 sqft Living Area
1st Floor Area	1,722 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
Foundation Type	Raised
Lot Area	304,920 sqft (7 acres)
Garage Area	576 sqft
Driveway	Asphalt Driveway
Driveway Area	744 sqft

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	428 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3103 CEDAR RIDGE LN
City	WATERLOO
State	IL
Zip	62298-6039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOT 18A, PART SE/4
Legal Range	10W
Legal Township	02S
Legal Section	08
Legal Lot Number	18A
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3103 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Jul 13, 2023	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HOME MORTGAGE
Sep 11, 2017	Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3103 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440604
Date	Dec 22, 2025
Instrument	440604

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 17, 2040

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3103 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000429761
Date	Jul 13, 2023
Instrument	429761

Lender

Name	LIBERTY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2043

Interest

Rate Type	Fixed Rate
Rate	6.5%

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Sep 11, 2017
Property Address	3103 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Document Number	0000391871
Map Reference	DB117PG345&662&663
Instrument Date	Sep 11, 2017
Instrument	391871
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3013 CEDAR RIDGE LN, 3013, WATERLOO, IL 62298-6003

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3103 CEDAR RIDGE LN, WATERLOO, IL 62298-6039

Mortgage

Document Number	0000391872
Date	Sep 11, 2017
Instrument	391872

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

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	$7,083.00 (-3.42%) Homeowner's exemption	$124,000 (+14.76%) Land $27,000 Building $97,000	$372,000 (+14.76%) Land $81,000 Building $291,000
2024	$7,334.00 (+14.79%)
2022	$6,389.00 Additional exemption filed	$108,050 Land $27,000 Building $81,050	$324,150 Land $81,000 Building $243,150

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 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	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	0.02% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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