Monroe County property record for 3180 Hanover Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 2,323 sqft · built 2005 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $280,000 (Aug 2018) |
| Tax Bill | $8,828 (2025) |
| Deeds & Mortgages | Apr 2026 Transfer Jul 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-05-400-010-000 |
| Primary APN | 07-05-400-010-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,323 sqft Living Area |
| 1st Floor Area | 2,323 sqft |
| Basement Area | 2,323 sqft |
| Unfinished Basement | 2,323 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Area | 996 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 700 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 66 sqft |
| Patio Area | 386 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3180 HANOVER RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-6044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA2 |
| Legal Description | PART NE SE |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 05 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
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 Company Names on Record |
|---|---|
| Mailing Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 1, 2026 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Jul 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SIMMONS FIRST BANK |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MERAMEC VALLEY BANK |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MONTGOMERY BANK NA |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MERAMEC VALLEY BANK |
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MONTGOMERY BANK NA |
| Aug 3, 2018 | Deed, Transfer · Conventional Mortgage MERAMEC VALLEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2018 · Amount on Record |
| Deed Sale | Aug 3, 2018 · Amount on Record |
| Deed Document Number | 2018397247 |
| Last Transfer Date | Feb 20, 2026 |
| Transfer Doc | 0000441933 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 1, 2026 |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Document Number | 0000441933 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 2026441933 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425121 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | 425121 |
| Name | SIMMONS FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 30, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000420267 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 420267 |
| Name | MERAMEC VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Sep 15, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000412455 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 412455 |
| Name | MONTGOMERY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 25, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BENCHMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000402143 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | 402143 |
| Name | MERAMEC VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 15, 2024 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000412079 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | 412079 |
| Name | MONTGOMERY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.63% |
| Max Rate At Change | 4.63% |
| Index | 1-Year CMT |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 3, 2018 |
| Property Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Document Number | 0000397247 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 397247 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | BENCHMARK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $420.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3180 HANOVER RD, WATERLOO, IL 62298-6044 |
| Document Number | 0000397248 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 397248 |
| Name | MERAMEC VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Aug 5, 2021 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of October 13, 2026
| 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 | $8,828.00 Homeowner's exemption | $153,120 (+5.49%) Land $19,400 Building $133,720 | $459,360 (+5.49%) Land $58,200 Building $401,160 |
| 2024 | $8,828.00 | $145,150 (+55.52%) Land $20,488 Building $124,662 | $435,450 (+55.52%) Land $61,464 Building $373,986 |
| 2022 | Additional exemption filed | $93,330 Land $15,450 Building $77,880 | $279,990 Land $46,350 Building $233,640 |
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
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