3822 Stable Ridge Run, Waterloo, IL 62298 Property Records

Monroe County property record for 3822 Stable Ridge Run, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,309 sqft · built 2018
Lot Size	5.69 acres (247,856 sqft)
Owner	Individual Name on Record
Tax Bill	$10,077 (2025)
Deeds & Mortgages	May 2023 Transfer Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-04-181-801-000`

Property Details

APN / Parcel Number

Primary APN	`10-04-181-801-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	2,309 sqft Living Area
1st Floor Area	2,309 sqft
Basement Area	2,309 sqft
Unfinished Basement	2,309 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick/Stone
Lot Area	247,856 sqft (5.69 acres)
Garage Area	1,520 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3822 STABLE RIDGE RUN
City	WATERLOO
State	IL
Zip	62298-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR1
Legal Description	OUTLOT B CHANTILLY VILLAGE PHASE 1
Legal Range	10W
Legal Township	03S
Legal Section	04
Legal Subdivision	CHANTILLY VILLAGE
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1026
Census Tract	600501

Owner

Source: Monroe County records, as of October 13, 2026

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
Mailing Address	3822 STABLE RIDGE RUN, WATERLOO, IL 62298-2131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jun 19, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 10, 2023
Transfer Doc	0000428983
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	May 11, 2023
Property Address	3822 STABLE RIDGE RUN, WATERLOO, IL 62298-2131
Document Number	0000428983
Map Reference	DOC 217890
Instrument Date	Apr 18, 2023
Instrument	428983
Transaction Type	Transfer
Record Updated	May 31, 2023
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 STABLE RIDGE RUN, WATERLOO, IL 62298-2131

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	3822 STABLE RIDGE RUN, WATERLOO, IL 62298-2131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399975
Date	Feb 15, 2019
Instrument	399975

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate

June 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jun 19, 2018
Property Address	3822 STABLE RIDGE RUN, WATERLOO, IL 62298-2131
Instrument Date	Jun 14, 2018
Instrument	396490
Transaction Type	Construction Loan
Record Updated	Jul 13, 2018
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3822 STABLE RIDGE RUN WATERLOO IL 622982131, WATERLOO, IL 62298-2131

Mortgage

Document Number	0000396490
Date	Jun 19, 2018
Instrument	396490

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

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,077.00 (+8.85%) Homeowner's exemption	$174,990 (+25.07%) Land $13,220 Building $161,770	$524,970 (+25.07%) Land $39,660 Building $485,310
2024	$9,258.00
2022	Additional exemption filed	$139,910 Land $13,220 Building $126,690	$419,730 Land $39,660 Building $380,070

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, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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