St. Clair County property record for 3814 Lower Saxtown Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,040 sqft · built 1988 |
| Lot Size | 4.95 acres (215,622 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,181 (2025) |
| Deeds & Mortgages | Oct 2018 Line of Credit |
| APN | 16-03-0-100-007 |
| Primary APN | 16-03-0-100-007 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 215,622 sqft (4.95 acres) |
| Garage Area | 576 sqft |
| Deck Area | 72 sqft |
| Patio Area | 72 sqft |
| Pole Barn | 840 sqft |
| Cooling System | Central |
|---|
| Street Address | 3814 LOWER SAXTOWN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILLSTADT TWP SEC 3 LOT/SEC-3-SUBL/TWP-2S-BLK/RG-9W PT LOT 5C NW AS IN 2532-270 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 03 |
| Legal Subdivision | MILLSTADT TWP |
| Legal Block | 100 |
| Legal Lot Number | 5C |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | MILLSTADT |
| Census Block Group | 3 |
| Census Block | 3059 |
| Census Tract | 503203 |
3814 Lower Saxtown Rd is owned and occupied by an individual.
Source: St. Clair County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3814 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 3814 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608 |
| Document Number | 00A2596598 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3814 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608 |
| Document Number | 00A2596598 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 2596598 |
| Name | ASSOCIATED BK |
|---|---|
| Type | Bank |
| Address | MILLSTADT, IL 62260 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
The 2025 property tax bill for 3814 Lower Saxtown Rd was $4,181 with exemptions applied.
Source: St. Clair County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | St. Clair County |
| County Subdivision | Millstadt Township |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,181.00 | $82,481 Land $21,187 Building $61,294 | $247,443 Land $63,561 Building $183,882 |
| 2022 | $66,819 Land $17,785 Building $49,034 | $200,457 Land $53,355 Building $147,102 | |
| 2019 | $2,596.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3814 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 risk around 3814 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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