3748 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3748 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property Type	Rural Home
Lot Size	3.41 acres (148,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$59,000 (Aug 2019)
Tax Bill	$9,477 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2022 Construction Loan + 3 more
APN	`12-34-0-302-011`

Property Details

APN / Parcel Number

Primary APN	`12-34-0-302-011`

Exterior

Lot Area	148,540 sqft (3.41 acres)

Location & Zoning

Street Address	3748 LOWER SAXTOWN RD
City	WATERLOO
State	IL
Zip	62298-4606
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	GRIEBEL ESTATES LOT/SEC-2 DOC A02623522
Legal Subdivision	GRIEBEL ESTATES
Legal Block	302
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3048
Census Tract	503203

Owner

Source: St. Clair County records, as of September 21, 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	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit FCB BANKS
Jun 30, 2022	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Aug 20, 2020	Loan Modification, Mortgage CITIZENS CMNTY BK
Aug 22, 2019	Warranty Deed, Construction Loan · Line of Credit CITIZENS CMNTY BK
May 24, 2019	Warranty Deed, Transfer COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2019 · Amount on Record
Deed Sale	Aug 22, 2019 · Amount on Record
Prior Sale	May 24, 2019 · Amount on Record
Deed Document Number	20192623522
Prior Transfer Date	Jan 12, 2004
Prior Transfer Doc	0001817225
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Transaction Type	Mortgage
Record Updated	Sep 29, 2023
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606

Mortgage

Document Number	0A02791778
Date	Sep 12, 2023
Instrument	A02791778

Lender

Name	FCB BANKS
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 N LIBRARY ST, WATERLOO, IL 62298-1228

Mortgage

Document Number	0A02751306
Date	Jun 30, 2022
Instrument	A02751306

Lender

Name	FCB BANKS
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	00A2664998
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3748 LOWER SAXTOWN RD WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	00A2664998
Date	Sep 1, 2020
Instrument	2664998

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	MASCOUTAH, IL 62258

Agreement

Term	12 Months
Due	Aug 31, 2021

August 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 22, 2019
Property Address	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	00A2623522
Instrument Date	Aug 20, 2019
Instrument	2623522
Transaction Type	Construction Loan
Record Updated	Oct 16, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Amount Accuracy	Confirmed
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	5256 CHERRY OAK LN SMITHTON IL 622853655, SMITHTON, IL 62285-3655

Mortgage

Document Number	A2623523
Date	Aug 22, 2019
Instrument	2623523

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	MASCOUTAH, IL 62258

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 21, 2020

Interest

Rate Type	Adjustable Rate
Rate	5.5%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 24, 2019
Property Address	3748 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	00A2613974
Instrument Date	May 23, 2019
Instrument	2613974
Transaction Type	Transfer
Record Updated	Jun 17, 2019
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Tax	$69.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1060 GILMORE LAKE RD WATERLOO IL 622983242, WATERLOO, IL 62298-3242

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Millstadt Township
Secondary School District	Belleville Township High School District 201 (09 - 12)
Elementary School District	Millstadt Consolidated Community School District 160 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,477.00 (+26,225%)	$154,270 (+87.25%) Land $19,895 Building $134,375	$462,810 (+87.25%) Land $59,685 Building $403,125
2022		$82,387 Land $17,511 Building $64,876	$247,161 Land $52,533 Building $194,628
2019	$36.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force

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 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)
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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