St. Clair County property record for 3947 Lower Saxtown Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,577 sqft · built 2003 |
| Lot Size | 5.88 acres (256,133 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $523,000 (Sep 2026) |
| Tax Bill | $8,462 (2025) |
| Deeds & Mortgages | Sep 2026 Sale |
| APN | 16-02-0-100-007 |
| Primary APN | 16-02-0-100-007 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,577 sqft Living Area |
| Basement Area | 2,366 sqft |
| Finished Basement | 2,366 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame |
| Lot Area | 256,133 sqft (5.88 acres) |
| Garage Type | Mixed |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 994 sqft |
| Canopy | 532 sqft |
| Pole Barn | 1,200 sqft |
| Cooling System | Central |
|---|
| Street Address | 3947 LOWER SAXTOWN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILLSTADT TWP SEC 2 LOT/SEC-2-SUBL/TWP-2S-BLK/RG-9W LT 7 PT NW DOC A01699920 A02852048 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 02 |
| Legal Subdivision | MILLSTADT TWP |
| Legal Block | 100 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | MILLSTADT |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 503203 |
3947 Lower Saxtown Rd is owned and occupied by two individuals who bought it in September 2026.
Source: St. Clair County records, as of October 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3947 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2026 · Amount on File |
| Deed Sale | Sep 18, 2026 · Amount on File |
| Prior Sale | Jun 26, 2025 |
| Deed Document Number | 2026A02895824 |
| Prior Transfer Date | Jun 25, 2025 |
| Prior Transfer Doc | 0002852048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 18, 2026 |
| Property Address | 3947 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Document Number | 0002895824 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 20262895824 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $79,234.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3947 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
The 2025 property tax bill for 3947 Lower Saxtown Rd was $8,462 with exemptions applied, up 12.8% from the year before.
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 | Freeburg Community High School District 77 (09 - 12) |
| Elementary School District | Smithton Community Consolidated School District 130 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,462.00 (+12.84%) Homeowner's exemption Senior Citizen's exemption | $124,525 (+13.06%) Land $22,257 Building $102,268 | $373,575 (+13.06%) Land $66,771 Building $306,804 |
| 2024 | $7,499.00 | $110,142 Land $22,563 Building $87,579 | $330,426 Land $67,689 Building $262,737 |
| 2022 | $91,201 Land $18,683 Building $72,518 | $273,603 Land $56,049 Building $217,554 | |
| 2019 | $5,037.00 |
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.
FEMA has no flood map on file for 3947 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 risk around 3947 Lower Saxtown 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 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.
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 |
5G (outdoors only) and 4G LTE
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