Monroe County property record for 4857 State Rte 3, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,248 sqft · built 1989 |
| Lot Size | 2.77 acres (120,661 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Feb 2020) |
| Tax Bill | $4,808 (2024) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-22-400-004-000 |
| Primary APN | 11-22-400-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Lot Area | 120,661 sqft (2.77 acres) |
| Garage Area | 528 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 66 sqft |
| Patio Area | 952 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4857 STATE ROUTE 3 |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART SE SE |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 22 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 29 |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 600501 |
Source: Monroe County assessment roll, as of August 29, 2025
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 File |
|---|---|
| Mailing Address | 4857 STATE ROUTE 3, WATERLOO, IL 62298-3513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 20, 2020 · Amount on Record |
| Deed Sale | Feb 20, 2020 · Amount on Record |
| Deed Document Number | 2020406255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 20, 2020 |
| Property Address | 4857 STATE ROUTE 3, WATERLOO, IL 62298-3513 |
| Document Number | 0000406255 |
| Instrument Date | Feb 18, 2020 |
| Instrument | 406255 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 44857 STATE ROUTE 3, WATERLOO, IL 62298 |
| Document Number | 0000406256 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 406256 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $84,540 (+13.64%) Land $12,510 Building $72,030 | $253,620 (+13.64%) Land $37,530 Building $216,090 | |
| 2024 | $4,808.00 | ||
| 2022 | Additional exemption filed | $74,390 Land $12,510 Building $61,880 | $223,170 Land $37,530 Building $185,640 |
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.
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL | 100 / 20 |
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