4818 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4818 Red Oak Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,893 sqft · built 2006
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Oct 2020)
Tax Bill	$7,461 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-029-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-029-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,893 sqft Living Area
1st Floor Area	1,893 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	1,164 sqft
Driveway	Concrete Driveway
Driveway Area	1,462 sqft

Exterior Amenities

Porch	Slab
Porch Area	114 sqft
Deck Area	163 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4818 RED OAK DR
City	WATERLOO
State	IL
Zip	62298-3068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR3
Legal Description	LOT 29 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	29
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2024
Census Tract	600501

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 Record	2 Individual Names on Record
Mailing Address	4818 RED OAK DR, WATERLOO, IL 62298-3068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK & TRUST CO
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Apr 6, 2020	Deed of Trust, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	2020411782
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4818 RED OAK DR, WATERLOO, IL 62298-3068
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425649
Date	Aug 15, 2022
Instrument	425649

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4818 RED OAK DR, WATERLOO, IL 62298-3068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000390079
Date	May 30, 2017
Instrument	390079

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 19, 2020
Property Address	4818 RED OAK DR, WATERLOO, IL 62298-3068
Document Number	0000411782
Map Reference	DOC 330393
Instrument Date	Oct 16, 2020
Instrument	411782
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4818 RED OAK DR, WATERLOO, IL 62298-3068

Mortgage

Document Number	0000411783
Date	Oct 19, 2020
Instrument	411783

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.5%

April 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 6, 2020
Property Address	4818 RED OAK DR, WATERLOO, IL 62298-3068
Document Number	0000407111
Instrument Date	Mar 27, 2020
Instrument	407111
Transaction Type	Construction Loan
Record Updated	May 27, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4818 RED OAK DR WATERLOO IL 622983068, WATERLOO, IL 62298-3068

Mortgage

Document Number	0000407111
Date	Apr 6, 2020
Instrument	407111

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,461.00 (+3.74%) Homeowner's exemption	$132,390 (+23.25%) Land $15,000 Building $117,390	$397,170 (+23.25%) Land $45,000 Building $352,170
2024	$7,192.00
2022	Additional exemption filed	$107,420 Land $15,000 Building $92,420	$322,260 Land $45,000 Building $277,260

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 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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