3565 Kk Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 3565 Kk Rd, Waterloo, IL 62298

Property Summary

Property Type	Seasonal / Vacation Home
Details	546 sqft · built 1843
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Jan 2026)
Tax Bill	$990 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-16-400-006-000`

Property Details

APN / Parcel Number

Primary APN	`10-16-400-006-000`
Alternative APN	`10160000001100 00`

Interior

Stories	1 Story
Building Area	546 sqft Heated Area
1st Floor Area	546 sqft

Exterior

Year Built	Built 1843
Effective Year Built	Effective 1843
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3565 KK RD
City	WATERLOO
State	IL
Zip	62298-6505
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	MA1
Legal Description	LOT 1B
Legal Range	10W
Legal Township	03S
Legal Section	16
Legal Lot Number	1B
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1070
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 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	3449 SUTTERVILLE RD, FULTS, IL 62244-1419
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Deed Document Number	2026440786
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 6, 2026
Property Address	3565 KK RD, WATERLOO, IL 62298
Document Number	0000440786
Instrument Date	Dec 31, 2025
Instrument	440786
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 SUTTERVILLE RD, FULTS, IL 62244-1419

Mortgage

Document Number	0000440787
Date	Jan 6, 2026
Instrument	440787

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$20,000 (+16.83%) Land $8,330 Building $11,670	$60,000 (+16.83%) Land $24,990 Building $35,010
2024	$990.00	$17,119 (+5.61%) Land $8,797 Building $8,322	$51,357 (+5.61%) Land $26,391 Building $24,966
2022		$16,210 Land $8,330 Building $7,880	$48,630 Land $24,990 Building $23,640

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 · 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	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	100 / 20

May also be available: Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Kk Rd

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