4901 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4901 Red Oak Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,666 sqft · built 2006
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Jul 2026)
Tax Bill	$7,605 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-041-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-041-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,666 sqft Building Perimeter
1st Floor Area	1,666 sqft
Basement Area	1,666 sqft
Unfinished Basement	1,666 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Mixed
Garage Area	220 sqft
Driveway	Concrete Driveway
Driveway Area	884 sqft
Porch	Slab
Porch Area	282 sqft
Patio Area	334 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4901 RED OAK DR
City	WATERLOO
State	IL
Zip	62298-3070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR3
Legal Description	LOT 41 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	41
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	Individual Name on Record
Mailing Address	10 MEADOW RDG E, WATERLOO, IL 62298
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FCB BANK
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2026 · Amount on Record
Deed Sale	Jul 15, 2026 · Amount on Record
Deed Document Number	2026443489
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 15, 2026
Property Address	4901 RED OAK DR, WATERLOO, IL 62298-3070
Document Number	0000443489
Instrument Date	Jul 10, 2026
Instrument	2026443489
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner

Mortgage

Document Number	0000443489,
Date	Jul 15, 2026
Instrument	2026443489

Lender

Name	FCB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Jun 9, 2026
Property Address	4901 RED OAK DR, WATERLOO, IL 62298-3070
Document Number	0000442956
Instrument Date	May 27, 2026
Instrument	2026442956
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 RED OAK DR, WATERLOO, IL 62298-3070

Mortgage

Document Number	0000442956,
Date	Jun 9, 2026
Instrument	2026442956

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.64%
Max Rate	-1%

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	$7,605.00 (-3.27%) Homeowner's exemption	$134,830 (-6.22%) Land $15,000 Building $119,830	$404,490 (-6.22%) Land $45,000 Building $359,490
2024	$7,862.00	$143,778 (+36.04%) Land $15,842 Building $127,936	$431,334 (+36.04%) Land $47,526 Building $383,808
2022	Additional exemption filed	$105,690 Land $15,000 Building $90,690	$317,070 Land $45,000 Building $272,070

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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