3438 State Rte 156, Waterloo, IL 62298 Property Records

Monroe County property record for 3438 State Rte 156, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 1959
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Nov 2021)
Tax Bill	$3,651 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-33-400-001-000`

Property Details

APN / Parcel Number

Primary APN	`07-33-400-001-000`
Alternative APN	`07330000002300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Frame
Lot Area	108,900 sqft (2.5 acres)
Garage Area	576 sqft
Deck Area	364 sqft
Patio Area	470 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3438 STATE ROUTE 156
City	WATERLOO
State	IL
Zip	62298-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	TAX LOTS 4B & 5B
Legal Range	10W
Legal Township	02S
Legal Section	33
Legal Lot Number	4B,5B
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3016
Census Tract	600501

Owner

3438 State Rte 156 is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3438 STATE ROUTE 156, WATERLOO, IL 62298-2110
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
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Nov 15, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021 · Amount on File
Deed Sale	Nov 15, 2021 · Amount on File
Deed Document Number	2021420950
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3438 STATE ROUTE 156, WATERLOO, IL 62298-2110
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420866
Date	Nov 10, 2021
Instrument	420866

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 16, 2040

Interest

Rate Type	Fixed Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 15, 2021
Property Address	3438 STATE ROUTE 156, WATERLOO, IL 62298-2110
Document Number	0000420950
Instrument Date	Nov 15, 2021
Instrument	420950
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3438 STATE ROUTE 156, WATERLOO, IL 62298-2110

Mortgage

Document Number	0000420951
Date	Nov 15, 2021
Instrument	420951

Lender

Name	GUARANTEED RATE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 3438 State Rte 156 was $3,651, up 1% 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	$3,651.00 (+0.97%) Homeowner's exemption	$66,710 Land $19,400 Building $47,310	$200,130 Land $58,200 Building $141,930
2024	$3,616.00
2022	Additional exemption filed	$51,920 Land $19,400 Building $32,520	$155,760 Land $58,200 Building $97,560

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 3438 State Rte 156 in Zone X, an area of minimal flood risk, though there have been 8 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 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 3438 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 19 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on State Rte 156

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