4904 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4904 Red Oak Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,059 sqft · built 2021
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$381,922 (Nov 2021)
Tax Bill	$8,128 (2025)
Deeds & Mortgages	Nov 2021 Sale & Construction Loan Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-035-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-035-000`

Interior

Bedrooms	3 Beds
Building Area	2,059 sqft Living Area
1st Floor Area	2,059 sqft
Basement Area	2,059 sqft
Unfinished Basement	2,059 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4904 RED OAK DR
City	WATERLOO
State	IL
Zip	62298-3071
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR3
Legal Description	LOT 35 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	35
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2023
Census Tract	600501

Owner

4904 Red Oak Dr is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4904 RED OAK DR, WATERLOO, IL 62298-3071
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Corporation Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK WATERLOO
Mar 31, 2021	Warranty Deed, Transfer · Commercial Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on File
Deed Sale	Nov 22, 2021 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	2021421054
Record Updated	Oct 29, 2026

November 2021: Corporation Deed, Construction Loan

Document Type	Corporation Deed
Jurisdiction	MONROE IL
Recording Date	Nov 22, 2021
Property Address	4904 RED OAK DR, WATERLOO, IL 62298-3071
Document Number	0000421054
Map Reference	DOC 301194
Instrument Date	Nov 12, 2021
Instrument	421054
Transaction Type	Construction Loan
Record Updated	Nov 17, 2023
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$573.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4904 RED OAK DR, WATERLOO, IL 62298-3071
Investor	Possibly a Property Investor

Mortgage

Document Number	0000421055
Date	Nov 22, 2021
Instrument	421055

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	3.13%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 31, 2021
Property Address	4904 RED OAK DR, WATERLOO, IL 62298-3071
Document Number	0000415969
Instrument Date	Mar 17, 2021
Instrument	415969
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Tax	$64.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4001 STATE ROUTE 159 STE 107, 107, SMITHTON, IL 62285-2508
Investor	Possibly a Property Investor

Mortgage

Document Number	0000415970
Date	Mar 31, 2021
Instrument	415970

Lender

Name	FCB BANKS

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4904 Red Oak Dr was $8,128.

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	$8,128.00 Homeowner's exemption	$143,700 Land $15,000 Building $128,700	$431,100 Land $45,000 Building $386,100
2024	$8,128.00
2022	Additional exemption filed	$114,250 Land $15,000 Building $99,250	$342,750 Land $45,000 Building $297,750

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

FEMA maps place 4904 Red Oak Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4904 Red Oak Dr is low, with a 0.01% annual chance of 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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