Monroe County property record for 4804 Oak Falls Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,626 sqft · built 2006 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $257,000 (Apr 2018) |
| Tax Bill | $6,917 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-007-000 |
| Primary APN | 11-07-117-007-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,626 sqft Living Area |
| 1st Floor Area | 1,626 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 612 sqft |
| Porch | Slab |
| Porch Area | 60 sqft |
| Patio Area | 174 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4804 OAK FALLS DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR3 |
| Legal Description | LOT 7 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 600501 |
4804 Oak Falls Dr is owned and occupied by two individuals who bought it in April 2018.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4804 OAK FALLS DR, WATERLOO, IL 62298-3069 |
| 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 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Apr 10, 2018 | Grant Deed, Transfer · Conventional with PMI FIRSTBANK FLORIDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2018 · Amount on File |
| Deed Sale | Apr 10, 2018 · Amount on File |
| Deed Document Number | 2018395232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 20, 2026 |
| Property Address | 4804 OAK FALLS DR, WATERLOO, IL 62298-3069 |
| Document Number | 0000443552 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 2026443552 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4804 OAK FALLS DR, WATERLOO, IL 62298-3069 |
| Document Number | 0000443552, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 2026443552 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.33% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4804 OAK FALLS DR, WATERLOO, IL 62298-3069 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000416018 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 416018 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4804 OAK FALLS DR, WATERLOO, IL 62298-3069 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000406883 |
|---|---|
| Date | Mar 24, 2020 |
| Instrument | 406883 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 10, 2018 |
| Property Address | 4804 OAK FALLS DR, WATERLOO, IL 62298-3069 |
| Document Number | 0000395232 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 395232 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Title Company | ACCENT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4804 OAK FALLS DR WATERLOO IL 622983069, WATERLOO, IL 62298-3069 |
| Document Number | 395233 |
|---|---|
| Date | Apr 10, 2018 |
| Instrument | 395233 |
| Name | FIRSTBANK FLORIDA |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2048 |
| Rate | 4.37% |
|---|
The 2025 property tax bill for 4804 Oak Falls Dr was $6,917, up 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 | $6,917.00 (+3.75%) Homeowner's exemption | $123,160 Land $15,000 Building $108,160 | $369,480 Land $45,000 Building $324,480 |
| 2024 | $6,667.00 | ||
| 2022 | Additional exemption filed | $100,260 Land $15,000 Building $85,260 | $300,780 Land $45,000 Building $255,780 |
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.
FEMA maps place 4804 Oak Falls 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 4804 Oak Falls Dr is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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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