3766 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3766 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property Type	Rural Home
Lot Size	4.29 acres (186,872 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,000 (Jun 2019)
Tax Bill	$9,256 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Mortgage + 3 more
APN	`12-34-0-302-012`

Property Details

APN / Parcel Number

Primary APN	`12-34-0-302-012`

Exterior

Lot Area	186,872 sqft (4.29 acres)

Location & Zoning

Street Address	3766 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-1 A02614671
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	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
May 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
May 5, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF WATERLOO
Jun 3, 2019	Warranty Deed, Transfer · Line of Credit FIRST NAT'L BK/WATERLOO
Mar 29, 2019	Grant Deed, Transfer ACCENT TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Mar 29, 2019 · Amount on Record
Deed Document Number	20192614671
Prior Transfer Date	May 6, 2005
Prior Transfer Doc	04176/2025
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Sep 3, 2026
Property Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	0002894594
Instrument Date	Aug 19, 2026
Instrument	20262894594
Transaction Type	Mortgage
Record Updated	Sep 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606

Mortgage

Document Number	0002894594,
Date	Sep 3, 2026
Instrument	20262894594

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Transaction Type	Mortgage
Record Updated	May 22, 2023
Title Company	ACCENT TITLE, ACCENT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606

Mortgage

Document Number	0A02780089
Date	May 2, 2023
Instrument	A02780089

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	ACCENT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606

Mortgage

Document Number	0A02745254
Date	May 5, 2022
Instrument	A02745254

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	COLUMBIA, IL 62236

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 3, 2019
Property Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	00A2614671
Instrument Date	May 30, 2019
Instrument	2614671
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
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	8453 STATE ROUTE 163 MILLSTADT IL 622603141, MILLSTADT, IL 62260-3141

Mortgage

Document Number	A2614672
Date	Jun 3, 2019
Instrument	2614672

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	COLUMBIA, IL 62236

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 29, 2019
Property Address	3766 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	00A2608168
Instrument Date	Mar 28, 2019
Instrument	2608168
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Confirmed
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	$9,256.00 (-2.6%)	$150,825 (+4.26%) Land $21,195 Building $129,630	$452,475 (+4.26%) Land $63,585 Building $388,890
2024	$9,503.00 (+804.19%)	$144,662 (+385.43%) Land $21,487 Building $123,175	$433,986 (+385.43%) Land $64,461 Building $369,525
2022		$29,801 Land $17,792 Building $12,009	$89,403 Land $53,376 Building $36,027
2019	$1,051.00

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 · 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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