St. Clair County property record for 3849 Lower Saxtown Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,979 sqft · built 1992 |
| Lot Size | 18.8 acres (821,542 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $649,000 (Sep 2024) |
| Tax Bill | $12,278 (2024) |
| Deeds & Mortgages | Mar 2024 Sale |
| APN | 12-34-0-400-023 |
| Primary APN | 12-34-0-400-023 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,979 sqft Living Area |
| Basement Area | 2,460 sqft |
| Unfinished Basement | 2,460 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 821,542 sqft (18.8 acres) |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 896 sqft |
| Cooling System | Central |
|---|
| Street Address | 3849 LOWER SAXTOWN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4609 |
| 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 S 1/2 SE A02807070 |
| Legal Range | 09W |
| Legal Township | 01S |
| Legal Section | 34 |
| Legal Subdivision | MILLSTADT TWP |
| Legal Block | 400 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | MILLSTADT |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 503203 |
3849 Lower Saxtown Rd is owned and occupied by two individuals who bought it in September 2024.
Source: St. Clair County records, as of September 16, 2025
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3849 LOWER SAXTOWN RD, WATERLOO, IL 62298-4609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2024 · Amount on File |
| Deed Sale | Sep 13, 2024 · Amount on File |
| Prior Sale | Mar 7, 2024 · Amount on File |
| Deed Document Number | 20242824904 |
| Prior Transfer Date | Nov 14, 2012 |
| Prior Transfer Doc | 00A2340509 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Mar 7, 2024 |
| Property Address | 3849 LOWER SAXTOWN RD, WATERLOO, IL 62298-4609 |
| Document Number | 0A02807070 |
| Instrument Date | Mar 6, 2024 |
| Instrument | A02807070 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2024 |
| Title Company | ACCENT TITLE, ACCENT TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3911 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
Source: St. Clair County assessment roll, as of August 28, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $12,278.00 | $197,900 Land $5,754 Building $192,146 | |
| 2023 | $541,296 (+9.73%) Land $16,590 Building $524,706 | ||
| 2022 | $164,430 Land $4,845 Building $159,585 | $493,290 Land $14,535 Building $478,755 | |
| 2019 | $9,611.00 |
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.
FEMA has no flood map on file for 3849 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 3849 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Wisper ISP Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
5G (outdoors only) and 4G LTE
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