3558 State Rte 156, Waterloo, IL 62298 Property Records

Monroe County property record for 3558 State Rte 156, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,590 sqft · built 1954
Lot Size	7 acres (304,920 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Oct 2020)
Tax Bill	$4,972 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-33-200-026-000`

Property Details

APN / Parcel Number

Primary APN	`07-33-200-026-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,590 sqft Living Area
1st Floor Area	1,590 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Foundation Type	Raised
Lot Area	304,920 sqft (7 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3558 STATE ROUTE 156
City	WATERLOO
State	IL
Zip	62298-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	TAX LOTS 4H & 5H
Legal Range	10W
Legal Township	02S
Legal Section	33
Legal Lot Number	4H,5H
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3016
Census Tract	600501

Owner

3558 State Rte 156 is owned and occupied by an individual who acquired it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3558 STATE ROUTE 156, WATERLOO, IL 62298-2114
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
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jan 27, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Deed Document Number	2020411800
Last Transfer Date	Jan 26, 2022
Transfer Doc	0000422369
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3558 STATE ROUTE 156, WATERLOO, IL 62298-2114
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423140
Date	Mar 14, 2022
Instrument	423140

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 27, 2022
Property Address	3558 STATE ROUTE 156, WATERLOO, IL 62298-2114
Document Number	0000422369
Map Reference	MB 66 PG 68
Instrument Date	Jan 26, 2022
Instrument	422369
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3558 STATE ROUTE 156, WATERLOO, IL 62298-2114

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 20, 2020
Property Address	3558 STATE ROUTE 156, WATERLOO, IL 62298-2114
Document Number	0000411800
Instrument Date	Oct 19, 2020
Instrument	411800
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3558 STATE ROUTE 156, WATERLOO, IL 62298-2114

Mortgage

Document Number	0000411801
Date	Oct 20, 2020
Instrument	411801

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.38%

Tax Assessment & Valuation

The 2025 property tax bill for 3558 State Rte 156 was $4,972.

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	$4,972.00 Homeowner's exemption	$88,750 Land $27,000 Building $61,750	$266,250 Land $81,000 Building $185,250
2024	$4,972.00
2022	Additional exemption filed	$67,980 Land $27,000 Building $40,980	$203,940 Land $81,000 Building $122,940

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 3558 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 3558 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 11 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
Starlink Satellite	280 / 30

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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