3822 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3822 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property Type	Rural Home
Details	2,232 sqft · built 2018
Lot Size	11.9 acres (520,106 sqft)
Owner	Individual Name on Record
Last Sale	$760,000 (Dec 2022)
Deeds & Mortgages	Feb 2023 Line of Credit Jan 2023 Mortgage + 13 more
APN	`16-03-0-100-011`

Property Details

APN / Parcel Number

Primary APN	`16-03-0-100-011`

Interior

Stories	1 Story
Building Area	2,232 sqft
Gross Area	4,464 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Lot Area	520,106 sqft (11.9 acres)
Garage Area	986 sqft
Porch	Porch
Porch Area	800 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3822 LOWER SAXTOWN RD
City	WATERLOO
State	IL
Zip	62298-4608
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	MILLSTADT TWP SEC 3 PT LOT 5C PR NW A02768709
Legal Range	09W
Legal Township	02S
Legal Section	03
Legal Subdivision	MILLS
Legal Lot Number	5C
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3059
Census Tract	503203

Owner

Source: St. Clair County records, as of August 23, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit STATE BANK
Jan 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit STATE BANK
Dec 15, 2022	Warranty Deed, Transfer · Line of Credit STATE BANK
Oct 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF BELLEVILLE
Sep 23, 2022	Intrafamily Transfer, Transfer TOWN & COUNTRY TITLE CO
Sep 13, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 31, 2020	Deed of Trust, Mortgage MARINE BK
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit FIRST BK
May 4, 2018	Deed of Trust, Mortgage FIRST NAT'L BK/WATERLOO
Oct 10, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO
Jun 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Sep 23, 2022
Deed Document Number	A02768709
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Transaction Type	Mortgage
Record Updated	Feb 23, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD 6, 6, WATERLOO, IL 62298-4608

Mortgage

Document Number	0A02773191
Date	Feb 7, 2023
Instrument	A02773191

Lender

Name	STATE BANK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jan 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Transaction Type	Mortgage
Record Updated	Feb 15, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN&COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

Mortgage

Document Number	0A02772257
Date	Jan 30, 2023
Instrument	A02772257

Lender

Name	STATE BANK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate	6.5%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Transaction Type	Mortgage
Record Updated	Feb 15, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN&COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

Mortgage

Document Number	0A02772258
Date	Jan 30, 2023
Instrument	A02772258

Lender

Name	STATE BANK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	108 Months
Due	Jan 15, 2032

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Change Frequency	Monthly

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 15, 2022
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	0A02768709
Map Reference	MB C PG 21
Instrument Date	Dec 14, 2022
Instrument	A02768709
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

Mortgage

Document Number	0A02768710
Date	Dec 15, 2022
Instrument	A02768710

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 9, 2023

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

Mortgage

Document Number	0A02762230
Date	Oct 4, 2022
Instrument	A02762230

Lender

Name	BANK OF BELLEVILLE
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Sep 23, 2022
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	0A02760244
Instrument Date	Sep 22, 2022
Instrument	A02760244
Transaction Type	Transfer
Record Updated	Oct 7, 2022
Title Company	TOWN & COUNTRY TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Sep 13, 2022
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	0A02759048
Instrument Date	Aug 29, 2022
Instrument	A02759048
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 29, 2020
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2673492
Instrument Date	Oct 28, 2020
Instrument	2673492
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 29, 2020
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2673491
Instrument Date	Oct 8, 2020
Instrument	2673491
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2662174
Instrument Date	Jul 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

Mortgage

Document Number	00A2662174
Date	Aug 14, 2020
Instrument	2662174

Lender

Name	MARINE BK
Type	Bank
Address	SPRINGFIELD, IL 62704

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2040

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2586311
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3854 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

Mortgage

Document Number	00A2586311
Date	Aug 13, 2018
Instrument	2586311

Lender

Name	FIRST BK
Type	Bank
Address	RED BUD, IL 62278

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 12, 2023

Interest

Rate Type	Adjustable Rate
Rate	5%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2576201
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

Mortgage

Document Number	00A2576201
Date	May 15, 2018
Instrument	2576201

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Interest

Rate	5%

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 10, 2017
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Instrument Date	Oct 2, 2017
Instrument	2554638
Transaction Type	Construction Loan
Record Updated	Dec 5, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3822 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

Mortgage

Document Number	00A2554638
Date	Oct 10, 2017
Instrument	2554638

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

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 12, 2017
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2539563
Instrument Date	May 31, 2017
Instrument	2539563
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3854 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3822 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number	00A2533233
Instrument Date	Mar 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3854 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

Mortgage

Document Number	00A2533233
Date	Apr 12, 2017
Instrument	2533233

Lender

Name	FIRST BK
Type	Bank
Address	RED BUD, IL 62278

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 11, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Millstadt Township
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2022	$126,211 Land $4,263 Building $121,948	$378,633 Land $12,789 Building $365,844

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Direct burnable vegetation

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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