Monroe County property record for 4809 Oak Falls Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,626 sqft · built 2006 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,571 (2025) |
| Deeds & Mortgages | Sep 2021 Construction Loan Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-022-000 |
| Primary APN | 11-07-117-022-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 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 | 17,860 sqft (0.41 acres) |
| Garage Area | 572 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 680 sqft |
| Porch | Slab |
| Porch Area | 60 sqft |
| Patio Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4809 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 22 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 22 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 600501 |
4809 Oak Falls Dr 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 | 4809 OAK FALLS DR, WATERLOO, IL 62298-3072 |
| 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 |
|---|---|
| Sep 24, 2021 | Deed of Trust, Mortgage · Construction Mortgage SCOTT CU |
| Mar 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4809 OAK FALLS DR, WATERLOO, IL 62298-3072 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000419862 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 419862 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4809 OAK FALLS DR, WATERLOO, IL 62298-3072 |
| Document Number | 0000395093 |
| Instrument Date | Mar 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2018 |
| Title Company | ILLINOIS TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4809 OAK FALLS DR WATERLOO IL 622983072, WATERLOO, IL 62298-3072 |
| Document Number | 0000395093 |
|---|---|
| Date | Apr 2, 2018 |
| Instrument | 395093 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2028 |
| Rate | 5.5% |
|---|
The 2025 property tax bill for 4809 Oak Falls Dr was $7,571, up 12.8% 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 | $7,571.00 (+12.81%) Homeowner's exemption | $134,260 Land $15,000 Building $119,260 | $402,780 Land $45,000 Building $357,780 |
| 2024 | $6,711.00 | ||
| 2022 | Additional exemption filed | $100,900 Land $15,000 Building $85,900 | $302,700 Land $45,000 Building $257,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4809 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 4809 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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