St. Clair County property record for 3959 Lower Saxtown Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 754 sqft · built 1864 |
| Lot Size | 7.23 acres (314,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jul 2002) |
| Tax Bill | $6,999 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| APN | 16-02-0-100-008 |
| Primary APN | 16-02-0-100-008 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 754 sqft Living Area |
| Year Built | Built 1864 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 314,939 sqft (7.23 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Patio Area | 368 sqft |
| Lean-To | 400 sqft |
| Pole Barn | 1,200 sqft |
| Cooling System | Central |
|---|
| Street Address | 3959 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 PT LT 7 NW DOC A01691538 |
| 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 |
3959 Lower Saxtown Rd is owned and occupied by an individual who bought it in July 2002.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3959 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2002 · Amount on File |
| Deed Sale | Jul 22, 2002 · Amount on File |
| Deed Document Number | 20021691538 |
| Deed Book / Page | 3691 / 919 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 3959 LOWER SAXTOWN RD, WATERLOO, IL 62298-4611 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A02736213 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | A02736213 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2032 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
The 2025 property tax bill for 3959 Lower Saxtown Rd was $6,999 with a homeowner's exemption, up 0.8% 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 | $6,999.00 (+0.84%) Homeowner's exemption | $99,900 (+2.18%) Land $23,938 Building $75,962 | $299,700 (+2.18%) Land $71,814 Building $227,886 |
| 2024 | $6,941.00 | $97,769 Land $24,267 Building $73,502 | $293,307 Land $72,801 Building $220,506 |
| 2022 | $80,956 Land $20,094 Building $60,862 | $242,868 Land $60,282 Building $182,586 | |
| 2019 | $4,779.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3959 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 3959 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 97% of the US · lower than 79% 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 9 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 |
| Frontier DSL | 10 / 1 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures