6038 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 6038 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,868 sqft · built 1965
Lot Size	8.35 acres (363,726 sqft)
Owner	Company Name on Record
Last Sale	$344,450 (Feb 2021)
Tax Bill	$4,562 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-08-300-008-000`

Property Details

APN / Parcel Number

Primary APN	`11-08-300-008-000`
Alternative APN	`11080000000400 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,868 sqft Living Area
1st Floor Area	1,868 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	363,726 sqft (8.35 acres)
Garage Area	616 sqft
Driveway	Concrete Driveway
Driveway Area	1,183 sqft
Porch	Slab
Porch Area	372 sqft
Patio Area	395 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6038 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOTS 4 & 7
Legal Range	09W
Legal Township	03S
Legal Section	08
Legal Lot Number	4,7
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2025
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	6038 STATE ROUTE 3, WATERLOO, IL 62298-3010
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Warranty Deed, Transfer · Conventional Mortgage UMB BANK NA
May 13, 2019	Grant Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2021 · Amount on Record
Deed Sale	Feb 4, 2021 · Amount on Record
Prior Sale	May 13, 2019 · Amount on Record
Deed Document Number	2021414688
Record Updated	Sep 20, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 4, 2021
Property Address	6038 STATE ROUTE 3, WATERLOO, IL 62298-3010
Document Number	0000414688
Instrument Date	Feb 4, 2021
Instrument	414688
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$516.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	6038 STATE ROUTE 3, WATERLOO, IL 62298-3010

Mortgage

Document Number	0000414689
Date	Feb 4, 2021
Instrument	414689

Lender

Name	UMB BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.63%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	May 13, 2019
Property Address	6038 STATE ROUTE 3, WATERLOO, IL 62298-3010
Document Number	0000401387
Instrument Date	May 10, 2019
Instrument	401387
Transaction Type	Transfer
Record Updated	Jun 7, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Tax	$262.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6038 STATE ROUTE 3 WATERLOO IL 622983010, WATERLOO, IL 62298-3010

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$87,097 (+15.67%) Land $11,997 Building $75,100
2024	$4,562.00		$272,862 (+20.8%) Land $37,710 Building $235,152
2022	Homeowner's exemption Additional exemption filed	$75,296 Land $11,816 Building $63,480	$225,888 Land $35,448 Building $190,440

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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