3247 State Rte 156, Waterloo, IL 62298 Property Records

Monroe County property record for 3247 State Rte 156, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1956
Lot Size	4.73 acres (206,039 sqft)
Owner	Individual Name on File
Tax Bill	$4,647 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-33-300-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-33-300-003-000`
Alternative APN	`07330000003300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	206,039 sqft (4.73 acres)
Garage Area	528 sqft
Driveway	Asphalt Driveway
Driveway Area	4,772 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Patio Area	256 sqft
Shed	1 Shed
Shed Area	320 sqft
Canopy	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3247 STATE ROUTE 156
City	WATERLOO
State	IL
Zip	62298-6309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	TAX LOT 7A & PART NW SW
Legal Range	10W
Legal Township	02S
Legal Section	33
Legal Lot Number	7A
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3015
Census Tract	600402

Owner

3247 State Rte 156 is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3247 STATE ROUTE 156, WATERLOO, IL 62298-6309
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
May 11, 2020	Deed of Trust, Mortgage STATE BK/WATERLOO
Mar 10, 2017	Grant Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3247 STATE ROUTE 156, WATERLOO, IL 62298-6309
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423582
Date	Apr 4, 2022
Instrument	423582

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2032

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3247 STATE ROUTE 156, WATERLOO, IL 62298-6309
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419011
Date	Aug 11, 2021
Instrument	419011

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3247 STATE ROUTE 156, WATERLOO, IL 62298-6309
Document Number	0000408942
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3247 STATE ROUTE 156 WATERLOO IL 622986309, WATERLOO, IL 62298-6309

Mortgage

Document Number	0000408942
Date	Jun 23, 2020
Instrument	408942

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

Interest

Rate	3%

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Mar 10, 2017
Property Address	3247 STATE ROUTE 156, WATERLOO, IL 62298-6309
Document Number	0000388693
Instrument Date	Mar 10, 2017
Instrument	388693
Transaction Type	Transfer
Record Updated	Mar 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 GLENDELL LN WATERLOO IL 622981879, WATERLOO, IL 62298-1879

Mortgage

Document Number	388694
Date	Mar 10, 2017
Instrument	388694

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 3247 State Rte 156 was $4,647, down 12.8% from the year before.

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	$4,647.00 (-12.83%) Homeowner's exemption	$83,330 Land $23,170 Building $60,160	$249,990 Land $69,510 Building $180,480
2024	$5,331.00
2022	Additional exemption filed	$72,880 Land $23,170 Building $49,710	$218,640 Land $69,510 Building $149,130

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 3247 State Rte 156 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3247 State Rte 156 is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

May also be available: Spectrum, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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