4831 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4831 Red Oak Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,148 sqft · built 2005
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Sep 2025)
Tax Bill	$7,469 (2025)
Deeds & Mortgages	Sep 2025 Sale & Construction Loan Nov 2021 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-043-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-043-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,148 sqft Living Area
1st Floor Area	2,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	Raised
Lot Area	17,860 sqft (0.41 acres)
Garage Area	918 sqft
Driveway	Concrete Driveway
Driveway Area	1,350 sqft
Pool Type	Pool Type
Pool Area	648 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4831 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 43 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	43
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2023
Census Tract	600501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	509 CATHY DR, WATERLOO, IL 62298-1403
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Warranty Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK WATERLOO
Nov 9, 2021	Warranty Deed, Construction Loan · Construction Mortgage FAIRWAY INDEPENDENT MTG CORP
Nov 17, 2020	Deed of Trust, Mortgage · Construction Mortgage REPUBLIC BANK & TRUST CO
Mar 12, 2020	Deed of Trust, Mortgage · Construction Mortgage REPUBLIC BANK & TRUST CO
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Nov 9, 2021 · Amount on Record
Deed Document Number	2025439269
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 15, 2025
Property Address	4831 RED OAK DR, WATERLOO, IL 62298-3067
Document Number	0000439269
Instrument Date	Sep 15, 2025
Instrument	439269
Transaction Type	Construction Loan
Record Updated	Oct 1, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$598.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4831 RED OAK DR, WATERLOO, IL 62298-3067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4831 RED OAK DR, WATERLOO, IL 62298-3067

Mortgage

Document Number	0000439270
Date	Sep 15, 2025
Instrument	439270

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

November 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 9, 2021
Property Address	4831 RED OAK DR, WATERLOO, IL 62298-3067
Document Number	0000420862
Instrument Date	Nov 8, 2021
Instrument	420862
Transaction Type	Construction Loan
Record Updated	Nov 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4831 RED OAK DR, WATERLOO, IL 62298-3067

Mortgage

Document Number	0000420863
Date	Nov 9, 2021
Instrument	420863

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4831 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	0000412575
Date	Nov 17, 2020
Instrument	412575

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4831 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	0000406682
Date	Mar 12, 2020
Instrument	406682

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4831 RED OAK DR, WATERLOO, IL 62298-3067
Document Number	0000394419
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Feb 26, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4831 RED OAK DR WATERLOO IL 622983067, WATERLOO, IL 62298-3067

Mortgage

Document Number	0000394419
Date	Feb 20, 2018
Instrument	394419

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 19, 2033

Interest

Rate	6.75%

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	$7,469.00 (+3.59%) Homeowner's exemption	$132,530 (+0.14%) Land $15,000 Building $117,530	$397,590 (+0.14%) Land $45,000 Building $352,590
2024	$7,210.00 Additional exemption filed	$132,351 (+21.97%) Land $15,842 Building $116,509	$397,053 (+21.97%) Land $47,526 Building $349,527
2022	Additional exemption filed	$108,510 Land $15,000 Building $93,510	$325,530 Land $45,000 Building $280,530

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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