3121 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3121 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,308 sqft · built 1976
Lot Size	5.33 acres (232,175 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,730 (2025)
Deeds & Mortgages	Nov 2025 Transfer Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-08-400-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-08-400-012-000`
Alternative APN	`07080000001600 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,308 sqft Building Perimeter
1st Floor Area	687 sqft
Upper Floors Area	621 sqft
Basement Area	311 sqft
Unfinished Basement	311 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	232,175 sqft (5.33 acres)
Garage Area	594 sqft
Driveway	Concrete Driveway
Driveway Area	3,010 sqft
Deck Area	176 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3121 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 18B
Legal Range	10W
Legal Township	02S
Legal Section	08
Legal Lot Number	18B
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	3121 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 18, 2025
Transfer Doc	0000440173
Record Updated	Oct 29, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Nov 20, 2025
Property Address	3121 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Document Number	0000440173
Map Reference	MB 105 PG 301
Instrument Date	Nov 18, 2025
Instrument	440173
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 CEDAR RIDGE LN, WATERLOO, IL 62298-6039

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3121 CEDAR RIDGE LN, WATERLOO, IL 62298-6039
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415072
Date	Feb 22, 2021
Instrument	415072

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2046

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	$4,730.00 (-3.43%) Homeowner's exemption	$84,720 (-6.37%) Land $24,180 Building $60,540	$254,160 (-6.37%) Land $72,540 Building $181,620
2024	$4,898.00 Additional exemption filed	$90,486 (+10.32%) Land $25,536 Building $64,950	$271,458 (+10.32%) Land $76,608 Building $194,850
2022	Additional exemption filed	$82,020 Land $24,180 Building $57,840	$246,060 Land $72,540 Building $173,520

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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