3204 Ahne Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 3204 Ahne Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,149 sqft · built 1995
Lot Size	80.6 acres (3,510,936 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,468 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-17-200-003-000`

Property Details

APN / Parcel Number

Primary APN	`10-17-200-003-000`
Alternative APN	`10170000000900 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,149 sqft Living Area
1st Floor Area	2,149 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	3,510,936 sqft (80.6 acres)
Garage Area	720 sqft
Porch	Slab
Porch Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3204 AHNE RD
City	WATERLOO
State	IL
Zip	62298-6410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	SW NE, NW SE, TAX LOT 7 & ROAD
Legal Range	10W
Legal Township	03S
Legal Section	17
Legal Lot Number	7
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1030
Census Tract	600501

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	3204 AHNE RD, WATERLOO, IL 62298-6410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Feb 28, 2018	Deed of Trust, Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	May 29, 2026
Property Address	3204 AHNE RD, WATERLOO, IL 62298-6410
Document Number	0000442804
Instrument Date	May 18, 2026
Instrument	2026442804
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3204 AHNE RD, WATERLOO, IL 62298-6410

Mortgage

Document Number	0000442804,
Date	May 29, 2026
Instrument	2026442804

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 18, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3204 AHNE RD, WATERLOO, IL 62298-6410
Document Number	0000394696
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3204 AHNE RD WATERLOO IL 622986410, WATERLOO, IL 62298-6410

Mortgage

Document Number	0000394696
Date	Mar 7, 2018
Instrument	394696

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Mar 6, 2020

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	$9,468.00 (+6.39%) Homeowner's exemption	$167,360 (+9.42%) Land $41,710 Building $125,650	$502,080 (+4.74%) Land $125,130 Building $376,950
2024	$8,899.00		$479,346 (+4.47%) Land $117,291 Building $362,055
2022	Additional exemption filed	$152,950 Land $31,620 Building $121,330	$458,850 Land $94,860 Building $363,990

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Claims	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30

May also be available: Harrisonville Telephone Company, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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