4907 Oak Falls Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4907 Oak Falls Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,670 sqft · built 2023
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,570 (Dec 2023)
Tax Bill	$6,726 (2025)
Deeds & Mortgages	Dec 2023 Sale & Construction Loan Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-07-117-017-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-117-017-000`

Interior

Bedrooms	3 Beds
Building Area	1,670 sqft Living Area
1st Floor Area	1,670 sqft
Basement Area	1,670 sqft
Unfinished Basement	1,670 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4907 OAK FALLS DR
City	WATERLOO
State	IL
Zip	62298-3073
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR3
Legal Description	LOT 17 OAK VALLEY ESTATES
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VALLEY ESTATES
Legal Lot Number	17
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 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4907 OAK FALLS DR, WATERLOO, IL 62298-3073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Warranty Deed, Construction Loan · Construction Mortgage FAIRWAY INDEPENDENT MTG CORP
Jun 9, 2023	Limited Warranty Deed, Transfer · Commercial Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Jun 9, 2023 · Amount on Record
Deed Document Number	2023431623
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 28, 2023
Property Address	4907 OAK FALLS DR, WATERLOO, IL 62298-3073
Document Number	0000431623
Map Reference	DOC 301194
Instrument Date	Dec 1, 2023
Instrument	431623
Transaction Type	Construction Loan
Record Updated	Jan 10, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$499.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 10, WATERLOO, IL 62298-0010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4907 OAK FALLS DR, WATERLOO, IL 62298-3073

Mortgage

Document Number	0000431624
Date	Dec 28, 2023
Instrument	431624

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.63%

June 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 9, 2023
Property Address	4907 OAK FALLS DR, WATERLOO, IL 62298-3073
Document Number	0000429342
Map Reference	DOC 301194
Instrument Date	May 24, 2023
Instrument	429342
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3500 LEBANON AVE, BELLEVILLE, IL 62221-4483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10, WATERLOO, IL 62298-0010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000429343
Date	Jun 9, 2023
Instrument	429343

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	8 Months
Due	Feb 24, 2024

Interest

Rate Type	Fixed Rate
Rate	8.25%

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	$6,726.00 (+4.98%) Homeowner's exemption	$119,920 (+19,886.67%) Land $15,000 Building $104,920	$359,760 (+19,886.67%) Land $45,000 Building $314,760
2024	$6,407.00
2022		$600 (-) Land $600	$1,800 (-) Land $1,800
2021		$600 Land $600	$1,800 Land $1,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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 13 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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