515 Shamrock Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 515 Shamrock Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,516 sqft · built 2004
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,454 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-01-134-067-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-134-067-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,516 sqft Living Area
1st Floor Area	1,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	540 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	515 SHAMROCK DR
City	WATERLOO
State	IL
Zip	62298-2776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 67 STONEFIELD PHASE 2
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	67
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4019
Census Tract	600501

Owner

515 Shamrock 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	515 SHAMROCK DR, WATERLOO, IL 62298-2776
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
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit FCB BANK
May 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST COUNTRY BANK
Jun 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Aug 31, 2026
Property Address	515 SHAMROCK DR, WATERLOO, IL 62298-2776
Document Number	0000444161
Instrument Date	Aug 25, 2026
Instrument	2026444161
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 SHAMROCK DR, WATERLOO, IL 62298-2776

Mortgage

Document Number	0000444161,
Date	Aug 31, 2026
Instrument	2026444161

Lender

Name	FCB BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	515 SHAMROCK DR, WATERLOO, IL 62298-2776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PROFESSIONALS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000389534
Date	May 1, 2017
Instrument	389534

Lender

Name	FIRST COUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 15, 2032

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	515 SHAMROCK DR, WATERLOO, IL 62298-2776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396512
Date	Jun 21, 2018
Instrument	396512

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	515 SHAMROCK DR, WATERLOO, IL 62298-2776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404594
Date	Nov 6, 2019
Instrument	404594

Lender

Name	PARAMOUNT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 515 Shamrock Dr was $4,454.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,454.00 Homeowner's exemption	$78,750 Land $15,530 Building $63,220	$236,250 Land $46,590 Building $189,660
2024	$4,454.00
2022	Additional exemption filed	$76,550 Land $15,410 Building $61,140	$229,650 Land $46,230 Building $183,420

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 515 Shamrock Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 515 Shamrock Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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