3174 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3174 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,317 sqft · built 1990
Lot Size	4.25 acres (185,130 sqft)
Owner	Trust Name on File
Last Sale	$288,000 (Feb 2024)
Tax Bill	$6,614 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`07-09-301-008-000`

Property Details

APN / Parcel Number

Primary APN	`07-09-301-008-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,317 sqft Living Area
1st Floor Area	2,317 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Foundation Type	Raised
Lot Area	185,130 sqft (4.25 acres)
Garage Area	540 sqft
Driveway	Concrete Driveway
Driveway Area	160 sqft

Exterior Amenities

Porch	Slab
Porch Area	244 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3174 CEDAR RIDGE LN
City	WATERLOO
State	IL
Zip	62298-6040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 8 CEDAR LAKE ESTATES 1ST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	09
Legal Subdivision	CEDAR LAKE ESTATES
Legal Lot Number	8
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2005
Census Tract	600402

Owner

3174 Cedar Ridge Ln is owner-occupied and held in a trust since March 2025.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Trust Name on File
Mailing Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Guardian's Deed, Transfer · Commercial Mortgage UNITED COMMUNITY BANK
Oct 22, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT
Jan 10, 2017	Deed of Trust, Mortgage · VA Mortgage PEOPLES BANK
Apr 11, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Jul 29, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Oct 12, 2018	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Sep 22, 2017	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2024 · Amount on File
Deed Sale	Feb 14, 2024 · Amount on File
Deed Document Number	2024432110
Last Transfer Date	Mar 21, 2025
Transfer Doc	0000436885
Record Updated	Oct 29, 2026

February 2024: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	MONROE IL
Recording Date	Feb 14, 2024
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Document Number	0000432110
Map Reference	DOC 151735
Instrument Date	Feb 14, 2024
Instrument	432110
Transaction Type	Transfer
Record Updated	Feb 28, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$432.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8608 HENKE CT, WATERLOO, IL 62298-5354

Mortgage

Document Number	0000432112
Date	Feb 14, 2024
Instrument	432112

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	7.95%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420514
Date	Oct 22, 2021
Instrument	420514

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000387768
Date	Jan 10, 2017
Instrument	387768

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2047

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Document Number	0000407376
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3174 CEDAR RIDGE LN WATERLOO IL 622986040, WATERLOO, IL 62298-6040

Mortgage

Document Number	0000407376
Date	Apr 17, 2020
Instrument	407376

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Document Number	0000402841
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	AMERICAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3174 CEDAR RIDGE LN WATERLOO IL 622986040, WATERLOO, IL 62298-6040

Mortgage

Document Number	0000402841
Date	Aug 2, 2019
Instrument	402841

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Aug 1, 2046

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Document Number	0000399087
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3174 CEDAR RIDGE LN WATERLOO IL 622986040, WATERLOO, IL 62298-6040

Mortgage

Document Number	0000399087
Date	Dec 10, 2018
Instrument	399087

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3174 CEDAR RIDGE LN, WATERLOO, IL 62298-6040
Document Number	0000392248
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3174 CEDAR RIDGE LN WATERLOO IL 622986040, WATERLOO, IL 62298-6040

Mortgage

Document Number	0000392248
Date	Oct 2, 2017
Instrument	392248

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3174 Cedar Ridge Ln was $6,614, up 92.6% 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	$6,614.00 (+92.6%) Homeowner's exemption Senior Citizen's exemption	$114,750 Land $22,240 Building $92,510	$344,250 Land $66,720 Building $277,530
2024	$3,434.00
2022	Homeowner's exemption Additional exemption filed	$110,330 Land $22,240 Building $88,090	$330,990 Land $66,720 Building $264,270

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 3174 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 3174 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.

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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