Monroe County property record for 4115 Jj Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,780 sqft · built 1998 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,334 (2024) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-02-300-003-000 |
| Primary APN | 10-02-300-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| 1st Floor Area | 1,780 sqft |
| Basement Area | 1,780 sqft |
| Unfinished Basement | 1,780 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Frame |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Area | 800 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 660 sqft |
| Porch | Slab |
| Porch Area | 496 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4115 JJ RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-2715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA2 |
| Legal Description | PART SE SW 0211517 |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 02 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 600501 |
Source: Monroe County assessment roll, as of August 29, 2025
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 File |
|---|---|
| Mailing Address | 4115 JJ RD, WATERLOO, IL 62298-2715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Oct 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Oct 21, 2017 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4115 JJ RD, WATERLOO, IL 62298-2715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414099 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 414099 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 26, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4115 JJ RD, WATERLOO, IL 62298-2715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000411919 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 411919 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Jun 1, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4115 JJ RD, WATERLOO, IL 62298-2715 |
| Document Number | 0000392720 |
| Instrument Date | Oct 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4115 JJ RD WATERLOO IL 622982715, WATERLOO, IL 62298-2715 |
| Document Number | 0000392720 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 392720 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 30, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4115 JJ RD, WATERLOO, IL 62298-2715 |
| Document Number | 0000392721 |
| Instrument Date | Oct 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4115 JJ RD WATERLOO IL 622982715, WATERLOO, IL 62298-2715 |
| Document Number | 0000392721 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 392721 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 30, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $103,340 (+14.62%) Land $12,500 Building $90,840 | $310,020 (+14.62%) Land $37,500 Building $272,520 | |
| 2024 | $5,334.00 | ||
| 2022 | Additional exemption filed | $90,160 Land $12,500 Building $77,660 | $270,480 Land $37,500 Building $232,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| HTC Holding DSL | 10 / 1 |
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