Monroe County property record for 4805 Oak Falls Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,771 sqft · built 2012 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,385 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-023-000 |
| Primary APN | 11-07-117-023-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,771 sqft Living Area |
| 1st Floor Area | 1,771 sqft |
| Basement Area | 1,771 sqft |
| Unfinished Basement | 1,771 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Area | 702 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|
| Street Address | 4805 OAK FALLS DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR3 |
| Legal Description | LOT 23 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 23 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 600501 |
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 | 4805 OAK FALLS DR, WATERLOO, IL 62298-3072 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF SPRINGFIELD |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4805 OAK FALLS DR, WATERLOO, IL 62298-3072 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441222 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 441222 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4805 OAK FALLS DR, WATERLOO, IL 62298-3072 |
| Document Number | 0000409473 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4805 OAK FALLS DR WATERLOO IL 622983072, WATERLOO, IL 62298-3072 |
| Document Number | 0000409473 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 409473 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 16, 2035 |
| Rate | 2.47% |
|---|
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 | $7,385.00 (+5.5%) Homeowner's exemption | $131,100 (+24.9%) Land $15,000 Building $116,100 | $393,300 (+24.9%) Land $45,000 Building $348,300 |
| 2024 | $7,000.00 | ||
| 2022 | Additional exemption filed | $104,960 Land $15,000 Building $89,960 | $314,880 Land $45,000 Building $269,880 |
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures