3931 Lower Saxtown Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 3931 Lower Saxtown Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,498 sqft · built 1995
Lot Size	7.73 acres (336,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$408,000 (Dec 2025)
Tax Bill	$7,287 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Nov 2020 Sale & Mortgage + 3 more
APN	`12-35-0-300-014`

Property Details

APN / Parcel Number

Primary APN	`12-35-0-300-014`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,498 sqft Living Area
Basement Area	1,498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	336,719 sqft (7.73 acres)
Garage Type	Mixed
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	560 sqft
Deck Area	500 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3931 LOWER SAXTOWN RD
City	WATERLOO
State	IL
Zip	62298-4611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLSTADT TWP SEC 35 LOT/SEC-35-SUBL/TWP-1S-BLK/RG-9W PT SW A02869014
Legal Range	09W
Legal Township	01S
Legal Section	35
Legal Subdivision	MILLSTADT TWP
Legal Block	300
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3052
Census Tract	503203

Owner

Source: St. Clair County records, as of September 21, 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	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDWEST BANK CENTRE
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDWEST BANKCENTRE
Jul 24, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF EDWARDSVILLE
Jul 23, 2019	Deed of Trust, Mortgage BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Nov 17, 2020 · Amount on Record
Deed Document Number	20252869014
Prior Transfer Date	May 18, 2015
Prior Transfer Doc	0002455106
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 15, 2025
Property Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	0A02869014
Instrument Date	Dec 11, 2025
Instrument	A02869014
Transaction Type	Transfer
Record Updated	Jan 2, 2026
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$408.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611

Mortgage

Document Number	0A02869015
Date	Dec 15, 2025
Instrument	A02869015

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	5.75%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 17, 2020
Property Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	A02676135
Instrument Date	Nov 13, 2020
Instrument	A02676135
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	ACCENT TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611

Mortgage

Document Number	A02676136
Date	Nov 17, 2020
Instrument	A02676136

Lender

Name	MIDWEST BANK CENTRE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.5%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 17, 2020
Property Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	00A2676135
Instrument Date	Nov 13, 2020
Instrument	2676135
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3931 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611

Mortgage

Document Number	A2676136
Date	Nov 17, 2020
Instrument	2676136

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 24, 2019
Property Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	00A2620285
Instrument Date	Jul 23, 2019
Instrument	2620285
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3931 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611

Mortgage

Document Number	A2620286
Date	Jul 24, 2019
Instrument	2620286

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2049

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	3931 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611
Document Number	00A2620875
Instrument Date	Jul 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 9, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3931 LOWER SAXTOWN RD WATERLOO IL 622984611, WATERLOO, IL 62298-4611

Mortgage

Document Number	00A2620875
Date	Jul 30, 2019
Instrument	2620875

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	Freeburg Community High School District 77 (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	$7,287.00 (+3.13%)	$106,174 (+5.93%) Land $24,053 Building $82,121	$318,522 (+5.93%) Land $72,159 Building $246,363
2024	$7,066.00 (+58.86%)	$100,232 (+20.77%) Land $24,386 Building $75,846	$300,696 (+20.77%) Land $73,158 Building $227,538
2022		$82,994 Land $20,192 Building $62,802	$248,982 Land $60,576 Building $188,406
2019	$4,448.00

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.

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 94% of the US · lower than 61% 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 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 (outdoors only) and 4G LTE

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