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3854 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3854 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property TypeRural Home
Details1,632 sqft · built 1993
Lot Size36.4 acres (1,585,584 sqft)
OwnerIndividual Name on Record
Last Sale$895,000 (Dec 2020)
Deeds & MortgagesApr 2022 Mortgage
Sep 2022 Transfer
+ 3 more
APN16-03-0-200-006

Property Details

APN / Parcel Number

Primary APN16-03-0-200-006

Interior

Stories2 Stories
Building Area1,632 sqft
Gross Area2,557 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Architectural StyleOther
Exterior MaterialWood
Lot Area1,585,584 sqft (36.4 acres)
Garage TypeAttached
Garage Area925 sqft
PorchPorch
Porch Area816 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address3854 LOWER SAXTOWN RD
CityWATERLOO
StateIL
Zip62298-4608
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionMILLSTADT TWP SEC 3 PT LOT 8 & 9 PT NE A02759835
Legal Range09W
Legal Township02S
Legal Section03
Legal SubdivisionMILLS
Legal Lot Number8-9 9
JurisdictionST CLAIR IL
Township / Civil DivisionMILLSTADT
Census Block Group3
Census Block3059
Census Tract503203

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 RecordIndividual Name on Record
Mailing Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2022Deed of Trust, Mortgage · Conventional Mortgage
FIRST BANK
Sep 20, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Dec 31, 2020Grant Deed, Transfer
FIRST BK MTG
Oct 29, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 28, 2017Deed of Trust, Mortgage
FIRST BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 31, 2020 · Amount on Record
Deed SaleDec 31, 2020 · Amount on Record
Prior SaleDec 31, 2020 · Amount on Record
Deed Document Number00A2681916
Last Transfer DateSep 20, 2022
Transfer Doc0A02759835
Record UpdatedJun 7, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Property Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Transaction TypeMortgage
Record UpdatedMar 7, 2023
Title CompanyABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0A02744757
DateApr 29, 2022
InstrumentA02744757
Lender
NameFIRST BANK
TypeBank
AddressHAZELWOOD, MO 63042
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2052
Interest
Rate TypeFixed Rate
Rate4%

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CLAIR IL
Recording DateSep 20, 2022
Property Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number0A02759835
Instrument DateSep 15, 2022
InstrumentA02759835
Transaction TypeTransfer
Record UpdatedOct 5, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST CLAIR IL
Recording DateDec 31, 2020
Property Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number00A2681916
Instrument DateDec 30, 2020
Instrument2681916
Transaction TypeTransfer
Record UpdatedMar 30, 2021
Title CompanyMONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,343.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address16451 DAPPLE GRAY CT CHESTERFIELD MA 01012, CHESTERFIELD, MA 01012

Mortgage

Document NumberA2681917
DateDec 31, 2020
Instrument2681917
Lender
NameFIRST BK MTG
TypeMortgage Company
AddressHAZELWOOD, MO 63042
Agreement
AmountAmount Recorded
Term360 Months
DueDec 30, 2050

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST CLAIR IL
Recording DateOct 29, 2020
Property Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number00A2673493
Instrument DateOct 26, 2020
Instrument2673493
Transaction TypeTransfer
Record UpdatedDec 4, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3854 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Property Address3854 LOWER SAXTOWN RD, WATERLOO, IL 62298-4608
Document Number00A2533233
Instrument DateMar 28, 2017
Transaction TypeMortgage
Record UpdatedAug 18, 2018

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address3854 LOWER SAXTOWN RD WATERLOO IL 622984608, WATERLOO, IL 62298-4608

Mortgage

Document Number00A2533233
DateApr 12, 2017
Instrument2533233
Lender
NameFIRST BK
TypeBank
AddressRED BUD, IL 62278
Agreement
AmountAmount Recorded
Term60 Months
DueApr 11, 2022
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountySt. Clair County
County SubdivisionMillstadt Township
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2022$188,330 Land $8,756 Building $179,574$564,990 Land $26,268 Building $538,722

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.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies3 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 RiskLow
lower than 93% of the US · above 42% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 14 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Wisper ISP
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		25 / 3

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