4705 Vandebrook Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4705 Vandebrook Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,532 sqft · built 2004
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$343,000 (Jul 2026)
Tax Bill	$6,034 (2025)
Deeds & Mortgages	Jul 2026 Sale & Construction Loan Jun 2023 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-01-133-023-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-133-023-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,532 sqft Living Area
1st Floor Area	1,532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,504 sqft (0.31 acres)
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	612 sqft

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	339 sqft
Patio Area	339 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4705 VANDEBROOK DR
City	WATERLOO
State	IL
Zip	62298-2773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 23 STONEFIELD
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	23
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4025
Census Tract	600501

Owner

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	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Warranty Deed, Construction Loan · Construction Mortgage CARROLLTON BANK
Jun 1, 2023	Warranty Deed, Construction Loan · Construction Mortgage LOANDEPOT COM LLC
Aug 9, 2021	Warranty Deed, Construction Loan · Construction Mortgage STATE BANK
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on Record
Deed Sale	Jul 6, 2026 · Amount on Record
Prior Sale	Oct 18, 2024 · Amount on Record
Deed Document Number	2026443349
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 6, 2026
Property Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773
Document Number	0000443349
Instrument Date	Jun 10, 2026
Instrument	2026443349
Transaction Type	Construction Loan
Record Updated	Aug 31, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$51,964.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773

Mortgage

Document Number	0000443350,
Date	Jul 6, 2026
Instrument	2026443350

Lender

Name	CARROLLTON BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 25, 2027

Interest

Rate	6.75%
Max Rate	-1%

June 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 1, 2023
Property Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773
Document Number	0000429207
Instrument Date	May 31, 2023
Instrument	429207
Transaction Type	Construction Loan
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773

Mortgage

Document Number	0000429208
Date	Jun 1, 2023
Instrument	429208

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.63%

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 9, 2021
Property Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773
Document Number	0000418938
Instrument Date	Aug 6, 2021
Instrument	418938
Transaction Type	Construction Loan
Record Updated	Aug 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773

Mortgage

Document Number	0000418939
Date	Aug 9, 2021
Instrument	418939

Lender

Name	STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 6, 2017
Property Address	4705 VANDEBROOK DR, WATERLOO, IL 62298-2773
Document Number	0000388597
Instrument Date	Mar 3, 2017
Instrument	388597
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.50
Additional	Lis Pendens 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	4705 VANDEBROOK DR WATERLOO IL 622982773, WATERLOO, IL 62298-2773

Mortgage

Document Number	388598
Date	Mar 6, 2017
Instrument	388598

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,034.00 (+5.84%) Homeowner's exemption	$104,640 (+2.27%) Land $17,010 Building $87,630	$313,920 (+2.27%) Land $51,030 Building $262,890
2024	$5,701.00	$102,315 (+22.83%) Land $16,591 Building $85,724	$306,945 (+22.83%) Land $49,773 Building $257,172
2022	Additional exemption filed	$83,300 Land $15,530 Building $67,770	$249,900 Land $46,590 Building $203,310

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, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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