Monroe County property record for 4912 Red Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,822 sqft · built 2006 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,817 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-037-000 |
| Primary APN | 11-07-117-037-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,822 sqft Building Perimeter |
| 1st Floor Area | 1,372 sqft |
| Basement Area | 1,822 sqft |
| Unfinished Basement | 1,822 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Mixed |
| Garage Area | 370 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,079 sqft |
| Porch | Slab |
| Porch Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4912 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 37 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 37 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 600501 |
4912 Red Oak Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4912 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4912 RED OAK DR, WATERLOO, IL 62298-3071 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000413397 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 413397 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 252 Months |
| Due | Jan 1, 2041 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 4912 Red Oak Dr was $7,817, down 3.3% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| 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 | $7,817.00 (-3.29%) Homeowner's exemption | $138,430 Land $15,000 Building $123,430 | $415,290 Land $45,000 Building $370,290 |
| 2024 | $8,083.00 | ||
| 2022 | Additional exemption filed | $108,830 Land $15,000 Building $93,830 | $326,490 Land $45,000 Building $281,490 |
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.
FEMA maps place 4912 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 risk around 4912 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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