4838 Kaskaskia Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 4838 Kaskaskia Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 760 sqft · built 1940
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$157,700 (Mar 2022)
Tax Bill	$2,460 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jan 2020 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-400-019-000`

Property Details

APN / Parcel Number

Primary APN	`10-24-400-019-000`
Alternative APN	`10240000002202 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	760 sqft Living Area
1st Floor Area	760 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	217,800 sqft (5 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4838 KASKASKIA RD
City	WATERLOO
State	IL
Zip	62298-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SE SE
Legal Range	10W
Legal Township	03S
Legal Section	24
Jurisdiction	MONROE IL
Township / Civil Division	23
Census Block Group	2
Census Block	2033
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4838 KASKASKIA RD, WATERLOO, IL 62298-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK
Jan 23, 2020	Warranty Deed, Transfer · Line of Credit STATE BK/WATERLOO
Sep 21, 2018	Warranty Deed, Transfer · Conventional with PMI STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	Jan 23, 2020 · Amount on Record
Deed Document Number	2022423308
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 21, 2022
Property Address	4838 KASKASKIA RD, WATERLOO, IL 62298-3716
Document Number	0000423308
Instrument Date	Mar 21, 2022
Instrument	423308
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4838 KASKASKIA RD, WATERLOO, IL 62298-3716

Mortgage

Document Number	0000423309
Date	Mar 21, 2022
Instrument	423309

Lender

Name	CARROLLTON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.38%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 23, 2020
Property Address	4838 KASKASKIA RD, WATERLOO, IL 62298-3716
Document Number	0000405831
Instrument Date	Jan 23, 2020
Instrument	405831
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 ARAPAHO DR BELLEVILLE IL 622202916, BELLEVILLE, IL 62220-2916

Mortgage

Document Number	405832
Date	Jan 23, 2020
Instrument	405832

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.85%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 21, 2018
Property Address	4838 KASKASKIA RD, WATERLOO, IL 62298-3716
Document Number	0000397921
Instrument Date	Sep 20, 2018
Instrument	397921
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.75
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	6429 OLD RED BUD RD WATERLOO IL 622982849, WATERLOO, IL 62298-2849

Mortgage

Document Number	397922
Date	Sep 21, 2018
Instrument	397922

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Sep 20, 2043

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$50,330 (+10.06%) Land $18,080 Building $32,250	$150,990 (+10.06%) Land $54,240 Building $96,750
2024	$2,460.00
2022	Additional exemption filed	$45,730 Land $18,080 Building $27,650	$137,190 Land $54,240 Building $82,950

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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	50 / 10

May also be available: Verizon.

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