Monroe County property record for 3178 Hh Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,380 sqft · built 1976 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,448 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-17-400-007-000 |
| Primary APN | 07-17-400-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,380 sqft Living Area |
| 1st Floor Area | 2,380 sqft |
| Basement Area | 294 sqft |
| Unfinished Basement | 294 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 480 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 78 sqft |
| Patio Area | 498 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3178 HH RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART NE SE 0170519 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 17 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2087 |
| Census Tract | 600402 |
Source: Monroe County records, as of July 20, 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 | 3178 HH RD, WATERLOO, IL 62298-5207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 14, 2025 |
| Transfer Doc | 0000437202 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3178 HH RD, WATERLOO, IL 62298-5207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BENCHMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000390450 |
|---|---|
| Date | Jun 20, 2017 |
| Instrument | 390450 |
| Name | RELIANCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $114,260 (+12.47%) Land $23,620 Building $90,640 | $342,780 (+12.47%) Land $70,860 Building $271,920 | |
| 2024 | $6,448.00 (+13.68%) | ||
| 2022 | $5,672.00 Homeowner's exemption Additional exemption filed | $101,590 Land $23,620 Building $77,970 | $304,770 Land $70,860 Building $233,910 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 50 / 10 |
May also be available: Verizon, Wisper ISP.
5G (outdoors only) and 4G LTE
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