4 Shady Oak Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 4 Shady Oak Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 1,865 sqft · built 1988
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (May 2026)
Tax Bill	$7,774 (2025)
Deeds & Mortgages	May 2026 Sale & Line of Credit Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-35-333-025-000`

Property Details

APN / Parcel Number

Primary APN	`07-35-333-025-000`
Alternative APN	`07350310101000 00`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	1,865 sqft Living Area
1st Floor Area	1,865 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Foundation Type	Raised
Lot Area	44,867 sqft (1.03 acres)
Garage Area	576 sqft
Driveway	Asphalt Driveway
Driveway Area	1,242 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	130 sqft
Deck Area	350 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4 SHADY OAK LN
City	WATERLOO
State	IL
Zip	62298-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 25 WEST LAKE ESTATES PHASE 1
Legal Range	10W
Legal Township	02S
Legal Section	35
Legal Subdivision	WEST LAKE ESTATES
Legal Lot Number	25
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3017
Census Tract	600501

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1521 RACHAEL LN, WATERLOO, IL 62298-5536
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF WATERLOO
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit MORTGAGE SOLUTIONS OF ILLINOIS
Dec 27, 2023	Warranty Deed, Construction Loan · Construction Mortgage MORTGAGE SOLUTIONS INC
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MTG & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Dec 27, 2023 · Amount on Record
Deed Document Number	2026442725
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 26, 2026
Property Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106
Document Number	0000442725
Instrument Date	May 22, 2026
Instrument	2026442725
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$65,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1521 RACHAEL LN, WATERLOO, IL 62298-5536
Investor	Possibly a Property Investor

Mortgage

Document Number	0000442726,
Date	May 26, 2026
Instrument	2026442726

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439585
Date	Oct 9, 2025
Instrument	439585

Lender

Name	MORTGAGE SOLUTIONS OF ILLINOIS
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 27, 2023
Property Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106
Document Number	0000431618
Instrument Date	Dec 20, 2023
Instrument	431618
Transaction Type	Construction Loan
Record Updated	Jan 10, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106

Mortgage

Document Number	0000431619
Date	Dec 27, 2023
Instrument	431619

Lender

Name	MORTGAGE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 1, 2022
Property Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106
Document Number	0000425431
Map Reference	DOC 139545
Instrument Date	Jul 29, 2022
Instrument	425431
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SHADY OAK LN, WATERLOO, IL 62298-2106

Mortgage

Document Number	0000425432
Date	Aug 1, 2022
Instrument	425432

Lender

Name	VANDERBILT MTG & FINANCE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,774.00 (+8.96%) Homeowner's exemption	$133,170 (+5.24%) Land $25,420 Building $107,750	$399,510 (+5.24%) Land $76,260 Building $323,250
2024	$7,135.00	$126,542 (+45.45%) Land $24,322 Building $102,220	$379,626 (+45.45%) Land $72,966 Building $306,660
2022	Homeowner's exemption Additional exemption filed	$87,000 Land $16,000 Building $71,000	$261,000 Land $48,000 Building $213,000

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, 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	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

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 65% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Wisper ISP.

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