3904 Waterloo Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3904 Waterloo Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 ba · 990 sqft · built 1878
Lot Size	118 acres (5,178,413 sqft)
Owner	2 Individual Names on Record
Last Sale	$700 (Jan 2023)
Tax Bill	$2,658 (2024)
Deeds & Mortgages	Jan 2023 Sale
APN	`16-15-0-200-001`

Property Details

APN / Parcel Number

Primary APN	`16-15-0-200-001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	990 sqft Living Area

Exterior

Year Built	Built 1878
Effective Year Built	Effective 1950
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	5,178,413 sqft (118 acres)
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	420 sqft

Location & Zoning

Street Address	3904 WATERLOO RD
City	WATERLOO
State	IL
Zip	62298-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLSTADT TWP SEC 15 LOT/SEC-15-SUBL/TWP-2S-BLK/RG-9W N 1/2 NE & SE NE EX RD AS IN BK 2830-114 & 2969-17 ( EXC PT FOR RD AS I
Legal Range	09W
Legal Township	02S
Legal Section	15
Legal Subdivision	MILLSTADT TWP
Legal Block	200
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3085
Census Tract	503203

Owner

Source: St. Clair County records, as of August 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3904 WATERLOO RD, WATERLOO, IL 62298-4412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2023 · Amount on Record
Deed Sale	Jan 6, 2023 · Amount on Record
Deed Document Number	20232770399
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 6, 2023
Property Address	3904 WATERLOO RD, WATERLOO, IL 62298-4412
Document Number	0A02770399
Instrument Date	Nov 29, 2022
Instrument	A02770399
Transaction Type	Transfer
Record Updated	Jan 20, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 28, 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,658.00 (+72.15%)	$49,878 (+18.56%) Land $26,794 Building $23,084
2023			$143,259 (+13.51%) Land $79,902 Building $63,357
2022		$42,071 Land $22,696 Building $19,375	$126,213 Land $68,088 Building $58,125
2019	$1,544.00

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 · 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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 3 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
T-Mobile Fixed Wireless	25 / 3