3528 Trout Camp Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 3528 Trout Camp Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,000 sqft · built 2023
Lot Size	12.5 acres (544,500 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Sep 2021)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-28-400-016-000`

Property Details

APN / Parcel Number

Primary APN	`07-28-400-016-000`
Alternative APN	`07280000000800 00`

Interior

Bedrooms	4 Beds
Building Area	3,000 sqft Living Area
1st Floor Area	3,000 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	544,500 sqft (12.5 acres)
Garage Area	1,560 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3528 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	LOT 2B PART SE/4 SE/4
Legal Range	10W
Legal Township	02S
Legal Section	28
Legal Lot Number	2B
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3015
Census Tract	600402

Owner

3528 Trout Camp Rd is owned and occupied by two individuals who bought it in September 2021.

Source: Monroe County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3528 TROUT CAMP RD, WATERLOO, IL 62298-4912
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
Aug 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK TRENTON
Jun 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK TRENTON
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Deed Document Number	2021419917
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3528 TROUT CAMP RD, WATERLOO, IL 62298-4912
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430012
Date	Aug 4, 2023
Instrument	430012

Lender

Name	COMMUNITY BANK TRENTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 24, 2028

Interest

Rate Type	Fixed Rate
Rate	6.13%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3528 TROUT CAMP RD, WATERLOO, IL 62298-4912
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000424816
Date	Jun 22, 2022
Instrument	424816

Lender

Name	COMMUNITY BANK TRENTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 29, 2021
Property Address	3528 TROUT CAMP RD, WATERLOO, IL 62298-4912
Document Number	0000419917
Instrument Date	Sep 27, 2021
Instrument	419917
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1929 TELFORD DR, SAINT LOUIS, MO 63125-2547
Investor	Possibly a Property Investor

Mortgage

Document Number	0000419918
Date	Sep 29, 2021
Instrument	419918

Lender

Name	COMMUNITY BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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 Disabled Person's exemption	$195,860 Land $36,290 Building $159,570	$587,580 Land $108,870 Building $478,710
2022		$4,977 Land $2,887 Building $2,090

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 3528 Trout Camp Rd 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 3528 Trout Camp Rd 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	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)

Nearby Properties on Trout Camp Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures