3246 Cedar Ridge Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3246 Cedar Ridge Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,124 sqft · built 1978
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$250,500 (May 2026)
Tax Bill	$4,369 (2025)
Deeds & Mortgages	May 2026 Sale & Construction Loan May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-09-300-006-000`

Property Details

APN / Parcel Number

Primary APN	`07-09-300-006-000`
Alternative APN	`07090000001305 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,124 sqft Building Perimeter
1st Floor Area	676 sqft
Upper Floors Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	130,680 sqft (3 acres)
Garage Area	576 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3246 CEDAR RIDGE LN
City	WATERLOO
State	IL
Zip	62298-6042
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART E/2 SW 0134012
Legal Range	10W
Legal Township	02S
Legal Section	09
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2005
Census Tract	600402

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	Individual Name on Record
Mailing Address	3246 CEDAR RIDGE LN, WATERLOO, IL 62298-6042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Warranty Deed, Transfer · Construction Mortgage NONE LISTED ON DOCUMENT
May 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Deed Document Number	2026442641
Prior Transfer Date	May 16, 2026
Prior Transfer Doc	0000442641
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 20, 2026
Property Address	3246 CEDAR RIDGE LN, WATERLOO, IL 62298-6042
Document Number	0000442641
Instrument Date	May 16, 2026
Instrument	2026442641
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,950.75
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3246 CEDAR RIDGE LN, WATERLOO, IL 62298-6042

Mortgage

Document Number	0000442642,
Date	May 20, 2026
Instrument	2026442642

Lender

Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3246 CEDAR RIDGE LN, WATERLOO, IL 62298-6042
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396143
Date	May 30, 2018
Instrument	396143

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

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	$4,369.00 (-3.66%) Homeowner's exemption	$83,480 (-6.44%) Land $20,250 Building $63,230	$250,440 (-6.44%) Land $60,750 Building $189,690
2024	$4,535.00	$89,230 (+18.72%) Land $21,386 Building $67,844	$267,690 (+18.72%) Land $64,158 Building $203,532
2022	Homeowner's exemption Additional exemption filed	$75,160 Land $20,250 Building $54,910	$225,480 Land $60,750 Building $164,730

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

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	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

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	0.02% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max 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 and 4G LTE (outdoors only)

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