4912 Rock Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 4912 Rock Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1990
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$132,650 (Apr 2020)
Tax Bill	$4,364 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-22-300-004-000`

Property Details

APN / Parcel Number

Primary APN	`10-22-300-004-000`
Alternative APN	`10220000000301 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Mixed
Garage Area	644 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	824 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4912 ROCK RD
City	WATERLOO
State	IL
Zip	62298-3614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SW SW
Legal Range	10W
Legal Township	03S
Legal Section	22
Jurisdiction	MONROE IL
Township / Civil Division	23
Census Block Group	1
Census Block	1019
Census Tract	600501

Owner

4912 Rock Rd is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4912 ROCK RD, WATERLOO, IL 62298-3614
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
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Apr 13, 2020	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Deed Document Number	2020407280
Prior Transfer Date	Mar 1, 2020
Prior Transfer Doc	0000407280
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4912 ROCK RD, WATERLOO, IL 62298-3614
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441256
Date	Feb 13, 2026
Instrument	441256

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2055

Interest

Rate Type	Fixed Rate
Rate	10%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4912 ROCK RD, WATERLOO, IL 62298-3614
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416390
Date	Apr 13, 2021
Instrument	416390

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 13, 2020
Property Address	4912 ROCK RD, WATERLOO, IL 62298-3614
Document Number	0000407280
Instrument Date	Mar 30, 2020
Instrument	407280
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 JANICE DR, WATERLOO, IL 62298-1803

Mortgage

Document Number	0000407281
Date	Apr 13, 2020
Instrument	407281

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4912 Rock Rd was $4,364, up 85.3% from the year before.

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	$4,364.00 (+85.31%) Homeowner's exemption	$79,040 Land $12,500 Building $66,540	$237,120 Land $37,500 Building $199,620
2024	$2,355.00
2022	Additional exemption filed	$44,220 Land $12,500 Building $31,720	$132,660 Land $37,500 Building $95,160

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 4912 Rock Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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 Claims	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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 4912 Rock Rd is low, with less than 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	50 / 10

May also be available: Verizon, Wisper ISP.

Nearby Properties on Rock Rd

Nearby Streets

All Waterloo, IL Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures