4111 Buss Branch Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 4111 Buss Branch Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1982
Lot Size	2.49 acres (108,464 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Sep 2023)
Tax Bill	$4,357 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2022 Transfer
APN	`16-23-0-200-015`

Property Details

APN / Parcel Number

Primary APN	`16-23-0-200-015`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Lot Area	108,464 sqft (2.49 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	396 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4111 BUSS BRANCH RD
City	WATERLOO
State	IL
Zip	62298-4321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLSTADT TWP SEC 23& 24 LOT/SEC-23-SUBL/TWP-2S-BLK/RG-9W PT NW NE & PT LT 8 NW A02792723
Legal Range	09W
Legal Township	02S
Legal Section	23
Legal Subdivision	MILLSTADT TWP
Legal Block	200
Legal Lot Number	8
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3084
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	Individual Name on Record
Mailing Address	4111 BUSS BRANCH RD, WATERLOO, IL 62298-4321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK
Oct 19, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	Sep 1, 2004 · Amount on Record
Deed Document Number	20232792723
Prior Transfer Date	Oct 3, 2022
Prior Transfer Doc	0002763738
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 22, 2023
Property Address	4111 BUSS BRANCH RD, WATERLOO, IL 62298-4321
Document Number	0A02792723
Instrument Date	Aug 29, 2023
Instrument	A02792723
Transaction Type	Transfer
Record Updated	Oct 9, 2023
Title Company	TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 BUSS BRANCH RD, WATERLOO, IL 62298-4321

Mortgage

Document Number	0A02792724
Date	Sep 22, 2023
Instrument	A02792724

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%
Change Frequency	Monthly

Mortgage

Document Number	0A02792725
Date	Sep 22, 2023
Instrument	A02792725

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Oct 19, 2022
Property Address	4111 BUSS BRANCH RD, WATERLOO, IL 62298-4321
Document Number	0A02763738
Instrument Date	Sep 26, 2022
Instrument	A02763738
Transaction Type	Transfer
Record Updated	Nov 2, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4111 BUSS BRANCH RD, WATERLOO, IL 62298-4321
Investor	Possibly a Property Investor

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	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,357.00 (+38.54%)	$64,214 (+20.59%) Land $16,784 Building $47,430	$192,642 (+20.59%) Land $50,352 Building $142,290
2022		$53,249 Land $14,089 Building $39,160	$159,747 Land $42,267 Building $117,480
2019	$3,145.00

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 93% of the US · above 42% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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