4823 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4823 Red Oak Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,462 sqft · built 2006
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Jan 2019)
Tax Bill	$6,801 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-045-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-045-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,462 sqft Building Perimeter
1st Floor Area	888 sqft
Basement Area	200 sqft
Unfinished Basement	200 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	598 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft
Porch	Slab
Porch Area	94 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4823 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 45 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	45
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2023
Census Tract	600501

Owner

4823 Red Oak Dr is owned and occupied by two individuals who bought it in January 2019.

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 File
Mailing Address	4823 RED OAK DR, WATERLOO, IL 62298-3067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 10, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 23, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2019 · Amount on File
Deed Sale	Jan 23, 2019 · Amount on File
Deed Document Number	2019399653
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4823 RED OAK DR, WATERLOO, IL 62298-3067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413504
Date	Dec 21, 2020
Instrument	413504

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4823 RED OAK DR, WATERLOO, IL 62298-3067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000406620
Date	Mar 10, 2020
Instrument	406620

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 23, 2019
Property Address	4823 RED OAK DR, WATERLOO, IL 62298-3067
Document Number	0000399653
Instrument Date	Jan 18, 2019
Instrument	399653
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.00
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	Joint Tenants with Right of Survivorship
Address	4823 RED OAK DR, WATERLOO, IL 62298-3067

Mortgage

Document Number	0000399654
Date	Jan 23, 2019
Instrument	399654

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4823 Red Oak Dr was $6,801, up 42.3% from the year before.

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	$6,801.00 (+42.31%) Homeowner's exemption	$121,190 Land $15,000 Building $106,190	$363,570 Land $45,000 Building $318,570
2024	$4,779.00
2022	Additional exemption filed	$84,980 Land $15,000 Building $69,980	$254,940 Land $45,000 Building $209,940

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

FEMA maps place 4823 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

Wildfire risk around 4823 Red Oak 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.

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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