6045 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 6045 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1974
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (Jun 2022)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-08-300-007-000`

Property Details

APN / Parcel Number

Primary APN	`11-08-300-007-000`
Alternative APN	`11080000001305 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	616 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6045 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	PART TAX LOT 7
Legal Range	09W
Legal Township	03S
Legal Section	08
Legal Lot Number	7
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2027
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	6045 STATE ROUTE 3, WATERLOO, IL 62298-3011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Oct 25, 2021	Intrafamily Transfer, Transfer
Jan 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2022 · Amount on Record
Deed Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	2022424728
Prior Transfer Date	Oct 22, 2021
Prior Transfer Doc	0000420543
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 16, 2022
Property Address	6045 STATE ROUTE 3, WATERLOO, IL 62298-3011
Document Number	0000424728
Map Reference	MB A PG 16
Instrument Date	Jun 14, 2022
Instrument	424728
Transaction Type	Transfer
Record Updated	Jul 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2303 SPRING LN, 2303, MARION, IL 62959-6201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6045 STATE ROUTE 3, WATERLOO, IL 62298-3011

Mortgage

Document Number	0000424729
Date	Jun 16, 2022
Instrument	424729

Lender

Name	FIRST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.25%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Oct 25, 2021
Property Address	6045 STATE ROUTE 3, WATERLOO, IL 62298-3011
Document Number	0000420543
Instrument Date	Oct 22, 2021
Instrument	420543
Transaction Type	Transfer
Record Updated	Nov 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2303 SPRING LN, MARION, IL 62959-6201

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 9, 2017
Property Address	6045 STATE ROUTE 3, WATERLOO, IL 62298-3011
Document Number	0000387727
Instrument Date	Nov 1, 2016
Instrument	387727
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	6045 STATE ROUTE 3 WATERLOO IL 622983011, WATERLOO, IL 62298-3011

Tax Assessment & Valuation

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	$3,529.00 (-3.61%) Homeowner's exemption	$65,650 (+11.33%) Land $18,410 Building $47,240	$196,950 (+11.33%) Land $55,230 Building $141,720
2024	$3,661.00
2022		$58,970 Land $18,410 Building $40,560	$176,910 Land $55,230 Building $121,680

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 100 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 93% of the US · above 42% 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 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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