Monroe County property record for 4811 Red Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,948 sqft · built 2015 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $318,000 (Sep 2021) |
| Tax Bill | $8,267 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Construction Loan Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-048-000 |
| Primary APN | 11-07-117-048-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| 1st Floor Area | 1,948 sqft |
| Basement Area | 1,948 sqft |
| Unfinished Basement | 1,948 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Area | 660 sqft |
| Porch | Porch |
| Porch Area | 45 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|
| Street Address | 4811 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 | LOT 48 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 48 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 600501 |
4811 Red Oak Dr is owned and occupied by two individuals who bought it in September 2021.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4811 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 |
|---|---|
| Sep 3, 2021 | Warranty Deed, Construction Loan · Construction Mortgage STATE BANK |
| Jan 9, 2020 | Warranty Deed, Transfer · FHA Mortgage UNITED FIDELITY FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2021 · Amount on File |
| Deed Sale | Sep 3, 2021 · Amount on File |
| Prior Sale | Jan 9, 2020 · Amount on File |
| Deed Document Number | 2021419496 |
| Prior Transfer Date | Jan 3, 2020 |
| Prior Transfer Doc | 0000405591 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 3, 2021 |
| Property Address | 4811 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000419496 |
| Instrument Date | Sep 2, 2021 |
| Instrument | 419496 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 22, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $477.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4811 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000419497 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 419497 |
| Name | STATE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 9, 2020 |
| Property Address | 4811 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000405591 |
| Instrument Date | Jan 3, 2020 |
| Instrument | 405591 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ALLIANCE NATIONWIDE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4811 RED OAK DR, WATERLOO, IL 62298-3067 |
| Document Number | 0000405592 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 405592 |
| Name | UNITED FIDELITY FUNDING CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2025 property tax bill for 4811 Red Oak Dr was $8,267, up 5% 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 | $8,267.00 (+5.03%) Homeowner's exemption | $146,060 Land $15,000 Building $131,060 | $438,180 Land $45,000 Building $393,180 |
| 2024 | $7,871.00 | ||
| 2022 | Additional exemption filed | $115,580 Land $15,000 Building $100,580 | $346,740 Land $45,000 Building $301,740 |
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 4811 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 4811 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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