3175 State Rte 156, Waterloo, IL 62298 Property Records

Monroe County property record for 3175 State Rte 156, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,446 sqft · built 1955
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$203,500 (Sep 2019)
Tax Bill	$4,758 (2025)
Deeds & Mortgages	Sep 2026 Transfer Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-32-400-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-32-400-012-000`
Alternative APN	`07320000001400 00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,446 sqft Living Area
1st Floor Area	1,446 sqft
Basement Area	1,446 sqft
Unfinished Basement	1,446 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	130,680 sqft (3 acres)
Garage Area	260 sqft
Driveway	Asphalt Driveway
Driveway Area	900 sqft

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Patio Area	664 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3175 STATE ROUTE 156
City	WATERLOO
State	IL
Zip	62298-6307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	TAX LOT 9B
Legal Range	10W
Legal Township	02S
Legal Section	32
Legal Lot Number	9B
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3015
Census Tract	600402

Owner

3175 State Rte 156 is owned and occupied by an individual who acquired it in September 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 25, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Mar 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Sep 24, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2019 · Amount on File
Deed Sale	Sep 24, 2019 · Amount on File
Deed Document Number	2019403749
Last Transfer Date	Sep 21, 2026
Transfer Doc	0000444538
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Sep 25, 2026
Property Address	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307
Document Number	0000444538
Instrument Date	Sep 21, 2026
Instrument	2026444538
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Mar 23, 2021
Property Address	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307
Document Number	0000415752
Instrument Date	Mar 13, 2021
Instrument	415752
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307

Mortgage

Document Number	0000415753
Date	Mar 23, 2021
Instrument	415753

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 24, 2019
Property Address	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307
Document Number	0000403749
Instrument Date	Sep 20, 2019
Instrument	403749
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.25
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	3175 STATE ROUTE 156, WATERLOO, IL 62298-6307

Mortgage

Document Number	0000403750
Date	Sep 24, 2019
Instrument	403750

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3175 State Rte 156 was $4,758, up 1.4% 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	$4,758.00 (+1.43%) Homeowner's exemption	$85,180 Land $20,250 Building $64,930	$255,540 Land $60,750 Building $194,790
2024	$4,691.00
2022	Additional exemption filed	$62,600 Land $20,250 Building $42,350	$187,800 Land $60,750 Building $127,050

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 3175 State Rte 156 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3175 State Rte 156 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 94% of the US · lower than 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

May also be available: Spectrum, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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