Monroe County property record for 3925 Jj Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,653 sqft · built 1997 |
| Lot Size | 6.21 acres (270,508 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,254 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-03-400-007-000 |
| Primary APN | 10-03-400-007-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| 1st Floor Area | 1,653 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 270,508 sqft (6.21 acres) |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 120 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 262 sqft |
| Patio Area | 760 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3925 JJ RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-2711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART SE SE |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 03 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 600501 |
3925 Jj Rd is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3925 JJ RD, WATERLOO, IL 62298-2711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage US BANK NA |
| Aug 18, 2020 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3925 JJ RD, WATERLOO, IL 62298-2711 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000417531 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 417531 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 3925 JJ RD, WATERLOO, IL 62298-2711 |
| Document Number | 0000410713 |
| Instrument Date | Aug 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3925 JJ RD WATERLOO IL 622982711, WATERLOO, IL 62298-2711 |
| Document Number | 0000410713 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 410713 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 2, 2035 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3925 Jj Rd was $6,254, up 7.1% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,254.00 (+7.11%) Homeowner's exemption | $110,780 Land $20,770 Building $90,010 | $332,340 Land $62,310 Building $270,030 |
| 2024 | $5,839.00 | ||
| 2022 | Additional exemption filed | $100,440 Land $20,770 Building $79,670 | $301,320 Land $62,310 Building $239,010 |
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 maps place 3925 Jj Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Aug 1993 · Severe Storms & Flooding |
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 3925 Jj Rd is low, with less than 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 94% of the US · lower than 65% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL | 30 / 3 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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