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3241 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3241 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 5 ba · 2,421 sqft · built 2016
Lot Size2.85 acres (124,146 sqft)
Owner2 Individual Names on File
Last Sale$480,000 (Nov 2022)
Tax Bill$9,013 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-09-301-018-000

Property Details

APN / Parcel Number

Primary APN07-09-301-018-000

Interior

Bedrooms3 Beds
Full Baths5 Baths
Stories1 Story
Building Area2,421 sqft Living Area
1st Floor Area2,421 sqft
Basement Area2,421 sqft
Unfinished Basement2,421 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Lot Area124,146 sqft (2.85 acres)
Garage Area840 sqft
PorchPorch
Porch Area210 sqft
Patio Area434 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3241 CEDAR RIDGE LN
CityWATERLOO
StateIL
Zip62298-6041
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMA1
Legal DescriptionPART LOTS 17 & 18 CEDAR LAKE ESTATES 1ST RESUB
Legal Range10W
Legal Township02S
Legal Section09
Legal SubdivisionCEDAR LAKE ESTATES
Legal Lot Number17-18
JurisdictionMONROE IL
Township / Civil Division14
Census Block Group2
Census Block2005
Census Tract600402

Owner

3241 Cedar Ridge Ln is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record2 Individual Names on File
Mailing Address3241 CEDAR RIDGE LN, WATERLOO, IL 62298-6041
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2022 · Amount on File
Deed SaleNov 2, 2022 · Amount on File
Deed Document Number2022426783
Record UpdatedOct 29, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateNov 2, 2022
Property Address3241 CEDAR RIDGE LN, WATERLOO, IL 62298-6041
Document Number0000426783
Map ReferenceDOC 151735
Instrument DateOct 31, 2022
Instrument426783
Transaction TypeTransfer
Record UpdatedNov 16, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$720.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3241 CEDAR RIDGE LN, 3241, WATERLOO, IL 62298-6041

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3241 CEDAR RIDGE LN, WATERLOO, IL 62298-6041

Mortgage

Document Number0000426784
DateNov 2, 2022
Instrument426784
Lender
NameFIRST INTEGRITY MORTGAGE SVCS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2052
Interest
Rate TypeFixed Rate
Rate6.38%

Tax Assessment & Valuation

The 2025 property tax bill for 3241 Cedar Ridge Ln was $9,013, up 1.3% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,013.00 (+1.27%) Homeowner's exemption$156,210 Land $17,710 Building $138,500$468,630 Land $53,130 Building $415,500
2024$8,900.00
2022Additional exemption filed$145,500 Land $17,710 Building $127,790$436,500 Land $53,130 Building $383,370

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 3241 Cedar Ridge Ln in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims263 (1993–2019)
Most Recent ClaimJun 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 3241 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 RiskLow
lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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 20 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Harrisonville Telephone Company
Fiber · DSL		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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