Monroe County property record for 3403 Trout Camp Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,600 sqft · built 1987 |
| Lot Size | 8.63 acres (375,923 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,310 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-28-300-002-000 |
| Primary APN | 07-28-300-002-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,600 sqft Building Perimeter |
| 1st Floor Area | 1,600 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 375,923 sqft (8.63 acres) |
| Garage Area | 728 sqft |
| Deck Area | 238 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3403 TROUT CAMP RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART NW SE & PART NE SW |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 28 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 22 |
| Census Block Group | 3 |
| Census Block | 3005 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 3403 TROUT CAMP RD, WATERLOO, IL 62298-4911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 21, 2026 |
| Property Address | 3403 TROUT CAMP RD, WATERLOO, IL 62298-4911 |
| Document Number | 0000443587 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 2026443587 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3403 TROUT CAMP RD, WATERLOO, IL 62298-4911 |
| Document Number | 0000443587, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 2026443587 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $7,310.00 (+7.45%) Homeowner's exemption | $127,790 (+27.79%) Land $29,760 Building $98,030 | $383,370 (+27.79%) Land $89,280 Building $294,090 |
| 2024 | $6,803.00 | ||
| 2022 | Additional exemption filed | $100,000 Land $29,760 Building $70,240 | $300,000 Land $89,280 Building $210,720 |
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
| 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Verizon.
5G and 4G LTE (outdoors only)
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