4542 Orlet Rd, Waterloo, IL 62298 Property Records

St. Clair County property record for 4542 Orlet Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,456 sqft · built 1997
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Apr 2026)
Tax Bill	$6,852 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2023 Line of Credit + 3 more
APN	`16-24-0-200-009`

Property Details

APN / Parcel Number

Primary APN	`16-24-0-200-009`

Interior

Full Baths	4 Baths
Building Area	1,456 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Architectural Style	Split Level
Construction Type	Frame
Lot Area	130,680 sqft (3 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	54 sqft
Deck Area	280 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4542 ORLET RD
City	WATERLOO
State	IL
Zip	62298-4300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PIN OAK ESTATES LOT/SEC-2 A02550576
Legal Subdivision	PIN OAK ESTATES
Legal Block	200
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3089
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	2 Individual Names on Record
Mailing Address	4542 ORLET RD, WATERLOO, IL 62298-4300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Jun 19, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG
Sep 5, 2017	Quit Claim Deed, Transfer COMMUNITY TITLE
Sep 5, 2017	Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	20262880815
Prior Transfer Date	Aug 30, 2017
Prior Transfer Doc	00A2550575
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 17, 2026
Property Address	4542 ORLET RD, WATERLOO, IL 62298-4300
Document Number	0002880815
Instrument Date	Apr 16, 2026
Instrument	2026.2880815
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN & COUNTRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,752.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4542 ORLET RD, WATERLOO, IL 62298-4300

Mortgage

Date	Apr 17, 2026

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4542 ORLET RD, WATERLOO, IL 62298-4300
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02779376
Date	Apr 24, 2023
Instrument	A02779376

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4542 ORLET RD, WATERLOO, IL 62298-4300
Document Number	00A2655609
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	NETCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4542 ORLET RD WATERLOO IL 622984300, WATERLOO, IL 62298-4300

Mortgage

Document Number	00A2655609
Date	Jun 24, 2020
Instrument	2655609

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

Interest

Rate	2.99%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 5, 2017
Property Address	4542 ORLET RD, WATERLOO, IL 62298-4300
Document Number	00A2550575
Instrument Date	Aug 30, 2017
Instrument	2550575
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	COMMUNITY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 ORLET RD WATERLOO IL 622984300, WATERLOO, IL 62298-4300

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 5, 2017
Property Address	4542 ORLET RD, WATERLOO, IL 62298-4300
Document Number	00A2550576
Instrument Date	Aug 30, 2017
Instrument	2550576
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 E APPLE ST FREEBURG IL 622431406, FREEBURG, IL 62243-1406

Mortgage

Document Number	A2550577
Date	Sep 5, 2017
Instrument	2550577

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2047

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	$6,852.00 (+0.6%) Homeowner's exemption	$97,556 (+1.83%) Land $18,091 Building $79,465	$292,668 (+1.83%) Land $54,273 Building $238,395
2024	$6,811.00 (+26.72%)	$95,803 (+20.77%) Land $18,340 Building $77,463	$287,409 (+20.77%) Land $55,020 Building $232,389
2022		$79,327 Land $15,186 Building $64,141	$237,981 Land $45,558 Building $192,423
2019	$5,375.00

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 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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