4830 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4830 Red Oak Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,890 sqft · built 2006
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,500 (Mar 2019)
Tax Bill	$7,618 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-032-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-032-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,890 sqft Living Area
1st Floor Area	1,890 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	572 sqft
Driveway	Concrete Driveway
Driveway Area	700 sqft
Porch	Slab
Porch Area	320 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4830 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 32 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	32
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	4830 RED OAK DR, WATERLOO, IL 62298-3068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Mar 8, 2019	Deed of Trust, Transfer · Conventional with PMI VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019 · Amount on Record
Deed Sale	Mar 11, 2019 · Amount on Record
Deed Document Number	2019400282
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4830 RED OAK DR, WATERLOO, IL 62298-3068
Document Number	0000407463
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4830 RED OAK DR WATERLOO IL 622983068, WATERLOO, IL 62298-3068

Mortgage

Document Number	0000407463
Date	Apr 21, 2020
Instrument	407463

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 20, 2040

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2019: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4830 RED OAK DR, WATERLOO, IL 62298-3068
Document Number	0000400283
Instrument Date	Mar 8, 2019
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4830 RED OAK DR WATERLOO IL 622983068, WATERLOO, IL 62298-3068

Mortgage

Document Number	0000400283
Date	Mar 11, 2019
Instrument	400283

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2049

Interest

Rate	5.25%

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	$7,618.00 (+3.8%) Homeowner's exemption	$135,050 (+23.09%) Land $15,000 Building $120,050	$405,150 (+23.09%) Land $45,000 Building $360,150
2024	$7,339.00
2022	Additional exemption filed	$109,720 Land $15,000 Building $94,720	$329,160 Land $45,000 Building $284,160

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.

Nearby Properties on Red Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures