Monroe County property record for 4555 Sprankel Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 1,526 sqft · built 1995 |
| Lot Size | 7.02 acres (305,791 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,065 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-300-004-000 |
| Primary APN | 10-25-300-004-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,526 sqft Building Perimeter |
| 1st Floor Area | 910 sqft |
| Upper Floors Area | 616 sqft |
| Basement Area | 1,526 sqft |
| Unfinished Basement | 1,526 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Frame |
| Lot Area | 305,791 sqft (7.02 acres) |
| Garage Area | 608 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 980 sqft |
| Porch | Slab |
| Porch Area | 216 sqft |
| Patio Area | 550 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4555 SPRANKEL RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART SE SW & PART SW SE |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 25 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 23 |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 600501 |
4555 Sprankel Rd is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4555 SPRANKEL RD, WATERLOO, IL 62298-3737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4555 SPRANKEL RD, WATERLOO, IL 62298-3737 |
| Document Number | 0000408081 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4555 SPRANKEL RD WATERLOO IL 622983737, WATERLOO, IL 62298-3737 |
| Document Number | 0000408081 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 408081 |
| Name | APLOS MORTGAGE INC |
|---|---|
| Address | 2 PIERCE PL, ITASCA, IL 60143-1203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 19, 2035 |
| Rate | 3.25% |
|---|
The 2025 property tax bill for 4555 Sprankel Rd was $7,065, up 1.2% from the year before.
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 | $7,065.00 (+1.25%) Homeowner's exemption | $124,400 Land $22,580 Building $101,820 | $373,200 Land $67,740 Building $305,460 |
| 2024 | $6,978.00 | ||
| 2022 | Additional exemption filed | $110,330 Land $22,580 Building $87,750 | $330,990 Land $67,740 Building $263,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4555 Sprankel Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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.
Wildfire risk around 4555 Sprankel Rd is low, with less than a 0.01% annual chance of wildfire.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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