542 Shamrock Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 542 Shamrock Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 1,184 sqft · built 2002
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Dec 2020)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-01-133-039-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-133-039-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	1,184 sqft Building Perimeter
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Unfinished Basement	1,184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	13,504 sqft (0.31 acres)
Garage Area	772 sqft
Driveway	Concrete Driveway
Driveway Area	1,108 sqft
Porch	Slab
Porch Area	96 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	542 SHAMROCK DR
City	WATERLOO
State	IL
Zip	62298-2779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 39 STONEFIELD
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	39
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4025
Census Tract	600501

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	542 SHAMROCK DR, WATERLOO, IL 62298-2779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Dec 14, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on Record
Deed Sale	Dec 14, 2020 · Amount on Record
Deed Document Number	2020413359
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Aug 27, 2026
Property Address	542 SHAMROCK DR, WATERLOO, IL 62298-2779
Document Number	0000444126
Instrument Date	Aug 20, 2026
Instrument	2026444126
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	542 SHAMROCK DR, WATERLOO, IL 62298-2779

Mortgage

Document Number	0000444126,
Date	Aug 27, 2026
Instrument	2026444126

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 14, 2020
Property Address	542 SHAMROCK DR, WATERLOO, IL 62298-2779
Document Number	0000413359
Instrument Date	Dec 10, 2020
Instrument	413359
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$373.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	542 SHAMROCK DR, WATERLOO, IL 62298-2779

Mortgage

Document Number	0000413360
Date	Dec 14, 2020
Instrument	413360

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	2.25%

Tax Assessment & Valuation

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	Homeowner's exemption Disabled Person's exemption	$110,360 (+26.79%) Land $17,010 Building $93,350	$331,080 (+26.79%) Land $51,030 Building $280,050
2022	Disabled Person's exemption Additional exemption filed	$87,040 Land $15,530 Building $71,510	$261,120 Land $46,590 Building $214,530

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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