St. Clair County property record for 3923 Lower Saxtown Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 858 sqft · built 2005 |
| Lot Size | 4.95 acres (215,622 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Apr 2020) |
| Tax Bill | $5,340 (2019) |
| Deeds & Mortgages | Oct 2023 Mortgage Feb 2021 Mortgage + 1 more |
| APN | 12-34-0-400-024 |
| Primary APN | 12-34-0-400-024 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 858 sqft Living Area |
| Upper Floors Area | 8 sqft |
| Basement Area | 858 sqft |
| Unfinished Basement | 858 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 215,622 sqft (4.95 acres) |
| Garage Type | Mixed |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|
| Street Address | 3923 LOWER SAXTOWN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4611 |
| 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 W 1/2 SE SE A02648364 |
| 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 |
Source: St. Clair County records, as of September 21, 2026
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 Record |
|---|---|
| Mailing Address | 3923 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage VANTAGE CU |
| Feb 5, 2021 | Deed of Trust, Mortgage · VA Mortgage GERSHMAN INVESTMENT CORP |
| Apr 17, 2020 | Warranty Deed, Transfer · VA Mortgage GERSHMAN MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2020 · Amount on Record |
| Deed Sale | Apr 17, 2020 · Amount on Record |
| Prior Sale | Jul 9, 2015 · Amount on Record |
| Deed Document Number | 20202648364 |
| Prior Transfer Date | Feb 27, 2004 |
| Prior Transfer Doc | 0001831553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 3923 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Title Company | BENCHMARK TITLE COMPANY, BENCHMARK TITLE |
| Name | Verified Name |
|---|---|
| Address | 3923 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Document Number | 0A02793534 |
|---|---|
| Date | Oct 2, 2023 |
| Instrument | A02793534 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT CHARLES, MO 63304 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 2, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 3923 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | A02686525 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | A02686525 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Apr 17, 2020 |
| Property Address | 3923 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Document Number | 00A2648364 |
| Instrument Date | Apr 16, 2020 |
| Instrument | 2648364 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2020 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3923 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611 |
| Document Number | A2648365 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 2648365 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
Source: St. Clair County assessment roll, as of September 21, 2026
| 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 |
|---|---|---|---|
| 2025 | $115,234 (+22.78%) Land $21,177 Building $94,057 | $345,702 (+22.78%) Land $63,531 Building $282,171 | |
| 2022 | $93,854 Land $17,777 Building $76,077 | $281,562 Land $53,331 Building $228,231 | |
| 2019 | $5,340.00 |
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.
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.
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 | None beyond ember reach |
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 |
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