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4909 Red Oak Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 4909 Red Oak Dr, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 1,176 sqft · built 2015
Lot Size0.41 acres (17,860 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Apr 2023)
Tax Bill$6,823 (2024)
Deeds & MortgagesApr 2023 Sale & Construction Loan
Jun 2021 Construction Loan
Flood ZoneZone X (minimal risk)
APN11-07-117-039-000

Property Details

APN / Parcel Number

Primary APN11-07-117-039-000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories2 Stories
Building Area1,176 sqft Living Area
1st Floor Area1,056 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Lot Area17,860 sqft (0.41 acres)
Garage Area724 sqft
PorchPorch
Porch Area136 sqft
Patio Area144 sqft

Location & Zoning

Street Address4909 RED OAK DR
CityWATERLOO
StateIL
Zip62298-3070
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 39 OAK VALLEY ESTATES
Legal Range09W
Legal Township03S
Legal Section07
Legal SubdivisionOAK VALLEY ESTATES
Legal Lot Number39
JurisdictionMONROE IL
Township / Civil Division8
Census Block Group2
Census Block2023
Census Tract600501

Owner

Source: Monroe County records · APN 11-07-117-039-000

Assessment roll updated August 29, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address4909 RED OAK DR, WATERLOO, IL 62298-3070
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 11, 2023Warranty Deed, Construction Loan · Construction Mortgage
FAIRWAY INDEPENDENT MTG CORP
Jun 30, 2021Deed of Trust, Mortgage · Construction Mortgage
FCB BANKS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 11, 2023 · Amount on Record
Deed SaleApr 11, 2023 · Amount on Record
Deed Document Number2023428567
Record UpdatedSep 20, 2026

April 2023: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateApr 11, 2023
Property Address4909 RED OAK DR, WATERLOO, IL 62298-3070
Document Number0000428567
Instrument DateApr 07, 2023
Instrument428567
Transaction TypeConstruction Loan
Record UpdatedMay 03, 2023
Title CompanyCOLUMBIA TITLE

Transaction

AmountAmount Recorded
Tax$262.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4909 RED OAK DR, WATERLOO, IL 62298-3070

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4909 RED OAK DR, WATERLOO, IL 62298-3070

Mortgage

Document Number0000428568
DateApr 11, 2023
Instrument428568
Lender
NameFAIRWAY INDEPENDENT MTG CORP
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address4909 RED OAK DR, WATERLOO, IL 62298-3070
Transaction TypeMortgage
Record UpdatedJul 14, 2021
Title CompanyACCENT TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000418182
DateJun 30, 2021
Instrument418182
Lender
NameFCB BANKS
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2051
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$118,900 (+29.23%) Land $15,000 Building $103,900$356,700 (+29.23%) Land $45,000 Building $311,700
2024$6,823.00
2022Additional exemption filed$92,010 Land $15,000 Building $77,010$276,030 Land $45,000 Building $231,030

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336005012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 71% of Illinois
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
HTC HoldingFiber1,000 / 1,000
HTC HoldingDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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