Monroe County property record for 4803 Red Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 1,968 sqft · built 2019 |
| Lot Size | 2.48 acres (108,029 sqft) |
| Owner | Individual Name on File |
| Last Sale | $38,000 (Jun 2018) |
| Tax Bill | $9,488 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-100-009-000 |
| Primary APN | 11-07-100-009-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,968 sqft |
| Basement Area | 1,968 sqft |
| Unfinished Basement | 1,968 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 108,029 sqft (2.48 acres) |
| Garage Area | 600 sqft |
| Cooling System | Central |
|---|
| Street Address | 4803 RED OAK DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3067 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR3 |
| Legal Description | PART TAX LOT 4 |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VLY ESTATES |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 600501 |
4803 Red Oak Dr is owned and occupied by an individual who bought it in June 2018.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Line of Credit STATE BANK |
| Aug 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| May 6, 2020 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Jun 5, 2019 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Jun 5, 2019 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Sep 18, 2018 | Trustee's Deed, Construction Loan · Line of Credit STATE BK/WATERLOO |
| Jun 7, 2018 | Warranty Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2018 · Amount on File |
| Deed Sale | Jun 7, 2018 · Amount on File |
| Deed Document Number | 2018396308 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 6, 2026 |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000443316 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 2026443316 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | COMMUNITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000443316, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 2026443316 |
| Name | STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425555 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 425555 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 15, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000408930 |
| Instrument Date | May 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4803 RED OAK DR WATERLOO IL 622983067, WATERLOO, IL 62298-3067 |
| Document Number | 0000408930 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 408930 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jun 22, 2040 |
| Rate | 2.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000402021 |
| Instrument Date | Jun 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Address | 4803 RED OAK DR WATERLOO IL 622983067, WATERLOO, IL 62298-3067 |
| Document Number | 0000402021 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 402021 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000402022 |
| Instrument Date | Jun 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Address | 4803 RED OAK DR WATERLOO IL 622983067, WATERLOO, IL 62298-3067 |
| Document Number | 0000402022 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 402022 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 17, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 18, 2018 |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Instrument Date | Sep 7, 2018 |
| Instrument | 397866 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 2, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4640 ROLLING HLS FULTS IL 62244, FULTS, IL 62244 |
| Document Number | 0000397866 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 397866 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Sep 17, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 7, 2018 |
| Property Address | 4803 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000396308 |
| Instrument Date | Jun 4, 2018 |
| Instrument | 396308 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2018 |
| Title Company | ACCENT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 4040 ROLLING HILLS ESTS FULTS IL 622441360, FULTS, IL 62244-1360 |
| Document Number | 396309 |
|---|---|
| Date | Jun 7, 2018 |
| Instrument | 396309 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 6, 2033 |
The 2025 property tax bill for 4803 Red Oak Dr was $9,488, down 3.7% 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 | $9,488.00 (-3.67%) | $161,030 Land $11,750 Building $149,280 | $483,090 Land $35,250 Building $447,840 |
| 2024 | $9,849.00 | ||
| 2022 | $134,300 Land $11,750 Building $122,550 | $402,900 Land $35,250 Building $367,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4803 Red Oak Dr in Zone X, an area of minimal flood risk.
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 Policies | 2 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 risk around 4803 Red Oak Dr 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 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
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