3911 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3911 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property Type	Rural Home
Lot Size	8.2 acres (357,192 sqft)
Owner	Trust Name on File
Tax Bill	$6,432 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Dec 2019 Transfer + 1 more
APN	`12-34-0-400-033`

Property Details

APN / Parcel Number

Primary APN	`12-34-0-400-033`

Exterior

Lot Area	357,192 sqft (8.2 acres)
Porch	Porch
Porch Area	138 sqft
Patio Area	72 sqft

Location & Zoning

Street Address	3911 LOWER SAXTOWN RD
City	WATERLOO
State	IL
Zip	62298-4611
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	MILLSTADT TWP SEC 34 PT W 1/2 SE SE AS IN A02840562
Legal Subdivision	MILLSTADT TWP
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3047
Census Tract	503203

Owner

3911 Lower Saxtown Rd, a rural home, is owner-occupied and held in a trust since November 2024.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	Trust Name on File
Mailing Address	3911 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FARM CREDIT SVCS
Dec 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 14, 2017	Deed of Trust, Mortgage SCOTT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 21, 2024
Transfer Doc	0002840562
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 17, 2020
Property Address	3911 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	00A2645685
Instrument Date	Mar 10, 2020
Instrument	2645685
Transaction Type	Transfer
Record Updated	Apr 9, 2020
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$491.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3911 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611

Mortgage

Document Number	A2645686
Date	Mar 17, 2020
Instrument	2645686

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	MAHOMET, IL 61853

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 16, 2035

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 30, 2019
Property Address	3911 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	00A2637660
Instrument Date	Dec 30, 2019
Instrument	2637660
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3911 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3911 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	00A2559082
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3911 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611

Mortgage

Document Number	00A2559082
Date	Nov 20, 2017
Instrument	2559082

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 19, 2032

Interest

Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 3911 Lower Saxtown Rd was $6,432 with exemptions applied, down 0.2% from the year before.

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,432.00 (-0.2%) Homeowner's exemption Senior Citizen's exemption	$111,636 (+2.32%) Land $15,759 Building $95,877	$334,908 (+2.32%) Land $47,277 Building $287,631
2024	$6,445.00	$109,107 Land $15,976 Building $93,131	$327,321 Land $47,928 Building $279,393
2022		$90,344 Land $13,229 Building $77,115	$271,032 Land $39,687 Building $231,345

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 3911 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

Wildfire risk around 3911 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.

Internet Providers

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

Cell Coverage

5G and 4G LTE (outdoors only)

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