3774 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3774 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,861 sqft · built 1996
Lot Size	5.29 acres (230,432 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,829 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2021 Transfer + 1 more
APN	`12-34-0-302-013`

Property Details

APN / Parcel Number

Primary APN	`12-34-0-302-013`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,861 sqft Living Area
Upper Floors Area	11 sqft
Basement Area	1,861 sqft
Unfinished Basement	1,861 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	230,432 sqft (5.29 acres)
Garage Type	Mixed
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	270 sqft
Patio Area	399 sqft
Pole Barn	1,500 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3774 LOWER SAXTOWN RD
City	WATERLOO
State	IL
Zip	62298-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLSTADT TWP SEC 34 LOT/SEC-34-SUBL/TWP-1S-BLK/RG-9W PT LOT 3 SW A02834957
Legal Range	09W
Legal Township	01S
Legal Section	34
Legal Subdivision	MILLSTADT TWP
Legal Block	302
Legal Lot Number	3
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3048
Census Tract	503203

Owner

3774 Lower Saxtown Rd is owned and occupied by two individuals who acquired it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3774 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
May 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Dec 1, 2021	Transfer on Death Deed, Transfer
Jun 9, 2011	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 10, 2024
Transfer Doc	0002834957
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3774 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02746048
Date	May 12, 2022
Instrument	A02746048

Lender

Name	SCOTT CU
Type	Credit Union
Address	EAST GRANBY, CT 6026

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3%

December 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 1, 2021
Property Address	3774 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	0A02727906
Map Reference	MB 1 PG 63
Instrument Date	Nov 29, 2021
Instrument	A02727906
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3774 LOWER SAXTOWN RD, 3774, WATERLOO, IL 62298-4606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3774 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3774 LOWER SAXTOWN RD, WATERLOO, IL 62298-4606
Document Number	00A2669170
Instrument Date	Jun 9, 2011
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3774 LOWER SAXTOWN RD WATERLOO IL 622984606, WATERLOO, IL 62298-4606

Mortgage

Document Number	00A2669170
Date	Sep 30, 2020
Instrument	2669170

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 29, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 3774 Lower Saxtown Rd was $6,829 with a homeowner's exemption, up 0.6% from the year before.

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	$6,829.00 (+0.65%) Homeowner's exemption	$112,842 (+3.25%) Land $21,797 Building $91,045	$338,526 (+3.25%) Land $65,391 Building $273,135
2024	$6,785.00	$109,285 Land $22,099 Building $87,186	$327,855 Land $66,297 Building $261,558
2022		$90,491 Land $18,298 Building $72,193	$271,473 Land $54,894 Building $216,579
2019	$5,147.00

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

Flood

FEMA has no flood map on file for 3774 Lower Saxtown Rd; 3 flood insurance policies are in force nearby.

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

Wildfire risk around 3774 Lower Saxtown Rd 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	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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