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4816 Oak Falls Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4816 Oak Falls Dr, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,228 sqft · built 2006
Lot Size0.41 acres (17,860 sqft)
OwnerIndividual Name on Record
Last Sale$415,000 (Jun 2023)
Tax Bill$9,816 (2025)
Deeds & MortgagesSep 2026 Mortgage
Jun 2023 Sale & Construction Loan
Flood ZoneZone X (minimal risk)
APN11-07-117-010-000

Property Details

APN / Parcel Number

Primary APN11-07-117-010-000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories1 Story
Building Area2,228 sqft Living Area
1st Floor Area2,228 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Construction TypeFrame
Foundation TypeRaised
Lot Area17,860 sqft (0.41 acres)
Garage Area598 sqft
DrivewayConcrete Driveway
Driveway Area726 sqft

Exterior Amenities

Pool TypeIn-Ground Vinyl Pool
Pool Area462 sqft
PorchSlab
Porch Area38 sqft
Patio Area564 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address4816 OAK FALLS DR
CityWATERLOO
StateIL
Zip62298-3069
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMR3
Legal DescriptionLOT 10 OAK VALLEY ESTATES
Legal Range09W
Legal Township03S
Legal Section07
Legal SubdivisionOAK VALLEY ESTATES
Legal Lot Number10
JurisdictionMONROE IL
Township / Civil Division8
Census Block Group2
Census Block2023
Census Tract600501

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address4816 OAK FALLS DR, WATERLOO, IL 62298-3069
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jun 22, 2023Warranty Deed, Construction Loan · Construction Mortgage
SCOTT CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 22, 2023 · Amount on Record
Deed SaleJun 22, 2023 · Amount on Record
Deed Document Number2023429493
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Recording DateSep 22, 2026
Property Address4816 OAK FALLS DR, WATERLOO, IL 62298-3069
Document Number0000444482
Instrument DateSep 17, 2026
Instrument2026444482
Transaction TypeMortgage
Record UpdatedOct 7, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address4816 OAK FALLS DR, WATERLOO, IL 62298-3069

Mortgage

Document Number0000444482,
DateSep 22, 2026
Instrument2026444482
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueOct 1, 2046
Interest
Rate TypeFixed Rate
Rate11%
Initial TypeFixed Rate
Max Rate-1%

June 2023: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateJun 22, 2023
Property Address4816 OAK FALLS DR, WATERLOO, IL 62298-3069
Document Number0000429493
Instrument DateJun 21, 2023
Instrument429493
Transaction TypeConstruction Loan
Record UpdatedJul 19, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$622.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4816 OAK FALLS DR, WATERLOO, IL 62298-3069

Transferred To (Grantee/Buyer)

NameVerified Name
Address4816 OAK FALLS DR, WATERLOO, IL 62298-3069

Mortgage

Document Number0000429494
DateJun 22, 2023
Instrument429494
Lender
NameSCOTT CU
TypeCredit Union
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2053
Interest
Rate TypeFixed Rate
Rate6.38%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,816.00 (+4.43%) Homeowner's exemption$172,350 (+24.57%) Land $15,000 Building $157,350$517,050 (+24.57%) Land $45,000 Building $472,050
2024$9,400.00
2022Additional exemption filed$138,360 (+15.42%) Land $15,000 Building $123,360$415,080 (+15.42%) Land $45,000 Building $370,080
2021Additional exemption filed$119,880 Land $15,000 Building $104,880$359,640 Land $45,000 Building $314,640

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Harrisonville Telephone Company
Fiber · DSL		1,000 / 1,000

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