Monroe County property record for 4039 Kk Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,680 sqft · built 1985 |
| Lot Size | 2.51 acres (109,336 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Sep 2019) |
| Tax Bill | $4,907 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-14-300-004-000 |
| Primary APN | 10-14-300-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,680 sqft |
| Unfinished Basement | 1,680 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Lot Area | 109,336 sqft (2.51 acres) |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 340 sqft |
| Porch | Slab |
| Porch Area | 342 sqft |
| Patio Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4039 KK RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-6515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART SW SW |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 14 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 600501 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4039 KK RD, WATERLOO, IL 62298-6515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage DELMAR FINANCIAL CO |
| Sep 9, 2019 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Sep 9, 2019 | Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2019 · Amount on Record |
| Deed Sale | Sep 9, 2019 · Amount on Record |
| Deed Document Number | 2019403450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4039 KK RD, WATERLOO, IL 62298-6515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000412597 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 412597 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 9, 2019 |
| Property Address | 4039 KK RD, WATERLOO, IL 62298-6515 |
| Document Number | 0000403450 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 403450 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $427.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4039 KK RD, WATERLOO, IL 62298-6515 |
| Document Number | 0000403451 |
|---|---|
| Date | Sep 9, 2019 |
| Instrument | 403451 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4039 KK RD, WATERLOO, IL 62298-6515 |
| Document Number | 0000403451 |
| Instrument Date | Sep 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4039 KK RD WATERLOO IL 622986515, WATERLOO, IL 62298-6515 |
| Document Number | 0000403451 |
|---|---|
| Date | Sep 9, 2019 |
| Instrument | 403451 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 8, 2049 |
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 | $4,907.00 (+11.17%) Homeowner's exemption | $88,170 (+12.16%) Land $12,550 Building $75,620 | $264,510 (+12.16%) Land $37,650 Building $226,860 |
| 2024 | $4,414.00 | ||
| 2022 | Additional exemption filed | $78,610 Land $12,550 Building $66,060 | $235,830 Land $37,650 Building $198,180 |
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.
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.
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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
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