3701 Clover Dell Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 3701 Clover Dell Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,284 sqft · built 2003
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,500 (Jul 2018)
Tax Bill	$8,520 (2025)
Deeds & Mortgages	Aug 2020 Construction Loan Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-04-182-040-000`

Property Details

APN / Parcel Number

Primary APN	`10-04-182-040-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,284 sqft Living Area
1st Floor Area	2,284 sqft
Basement Area	2,284 sqft
Unfinished Basement	2,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	62,291 sqft (1.43 acres)
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	2,116 sqft

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	108 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3701 CLOVER DELL LN
City	WATERLOO
State	IL
Zip	62298-2133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR1
Legal Description	LOT 40 CHANTILLY VILLAGE PHASE II
Legal Range	10W
Legal Township	03S
Legal Section	04
Legal Subdivision	CHANTILLY VILLAGE
Legal Lot Number	40
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1027
Census Tract	600501

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	2 Individual Names on Record
Mailing Address	3701 CLOVER DELL LN, WATERLOO, IL 62298-2133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · Construction Mortgage TOWN & COUNTRY BANC MTG SVCS
Jul 30, 2018	Warranty Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on Record
Deed Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	2018397138
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3701 CLOVER DELL LN, WATERLOO, IL 62298-2133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000410352
Date	Aug 20, 2020
Instrument	410352

Lender

Name	TOWN & COUNTRY BANC MTG SVCS
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 30, 2018
Property Address	3701 CLOVER DELL LN, WATERLOO, IL 62298-2133
Document Number	0000397138
Instrument Date	Jul 27, 2018
Instrument	397138
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$411.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3701 CLOVER DELL LN, WATERLOO, IL 62298-2133

Mortgage

Document Number	0000397139
Date	Jul 30, 2018
Instrument	397139

Lender

Name	TOWN & COUNTRY BANC MTG SVCS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed 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	$8,520.00 (+62.5%) Homeowner's exemption	$148,830 (+62.71%) Land $16,200 Building $132,630	$446,490 (+62.71%) Land $48,600 Building $397,890
2024	$5,243.00
2022	Additional exemption filed	$91,470 Land $16,200 Building $75,270	$274,410 Land $48,600 Building $225,810

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 94% of the US · lower than 65% 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 45 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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