3510 Trout Camp Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 3510 Trout Camp Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1978
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Sep 2019)
Tax Bill	$5,830 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-400-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-28-400-015-000`
Alternative APN	`07280000001000 00`

Interior

Bedrooms	3 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
Basement Area	1,440 sqft
Unfinished Basement	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	174,240 sqft (4 acres)
Garage Area	918 sqft

Exterior Amenities

Porch	Slab
Porch Area	416 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3510 TROUT CAMP RD
City	WATERLOO
State	IL
Zip	62298-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SW SE SEC 28
Legal Range	10W
Legal Township	02S
Legal Section	28
Legal Subdivision	PART SW SE
Legal Lot Number	4A
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3015
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	3510 TROUT CAMP RD, WATERLOO, IL 62298-4912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/WATERLOO
Sep 9, 2019	Quit Claim Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)
Sep 9, 2019	Quit Claim Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)
Sep 9, 2019	Warranty Deed, Transfer · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Deed Document Number	2019403446
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3510 TROUT CAMP RD, WATERLOO, IL 62298-4912
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440421
Date	Dec 9, 2025
Instrument	440421

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3510 TROUT CAMP RD, WATERLOO, IL 62298-4912
Document Number	0000410544
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 11, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 TROUT CAMP RD WATERLOO IL 622984912, WATERLOO, IL 62298-4912

Mortgage

Document Number	0000410544
Date	Aug 28, 2020
Instrument	410544

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

Interest

Rate	2.5%

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Sep 9, 2019
Property Address	3510 TROUT CAMP RD, WATERLOO, IL 62298-4912
Document Number	0000403445
Instrument Date	Sep 6, 2019
Instrument	403445
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3510 TROUT CAMP RD WATERLOO IL 622984912, WATERLOO, IL 62298-4912

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Sep 9, 2019
Property Address	3510 TROUT CAMP RD, WATERLOO, IL 62298-4912
Document Number	0000403449
Instrument Date	Sep 6, 2019
Instrument	403449
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6730 CARDINAL DR WATERLOO IL 622984926, WATERLOO, IL 62298-4926

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 9, 2019
Property Address	3510 TROUT CAMP RD, WATERLOO, IL 62298-4912
Document Number	0000403446
Instrument Date	Sep 6, 2019
Instrument	403446
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 TROUT CAMP RD WATERLOO IL 622984912, WATERLOO, IL 62298-4912

Mortgage

Document Number	403447
Date	Sep 9, 2019
Instrument	403447

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 8, 2020

Interest

Rate Type	Adjustable 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	Homeowner's exemption	$99,700 (-6.45%) Land $21,930 Building $77,770	$299,100 (-6.45%) Land $65,790 Building $233,310
2024	$5,830.00	$106,571 (+19.05%) Land $23,160 Building $83,411	$319,713 (+19.05%) Land $69,480 Building $250,233
2022	Additional exemption filed	$89,520 Land $21,930 Building $67,590	$268,560 Land $65,790 Building $202,770

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

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 27 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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