6046 Willow Bend Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 6046 Willow Bend Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,544 sqft · built 1998
Lot Size	2.52 acres (109,771 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Oct 2025)
Tax Bill	$5,288 (2024)
Deeds & Mortgages	Oct 2025 Sale & Construction Loan Nov 2021 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-34-301-012-000`

Property Details

APN / Parcel Number

Primary APN	`08-34-301-012-000`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,544 sqft
Basement Area	1,544 sqft
Unfinished Basement	1,544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	109,771 sqft (2.52 acres)
Garage Area	600 sqft
Driveway	Concrete Driveway
Driveway Area	96 sqft

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	48 sqft
Patio Area	252 sqft
Gazebo	119 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6046 WILLOW BEND LN
City	WATERLOO
State	IL
Zip	62298-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 12 WILLOW LAKE ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	34
Legal Subdivision	WILLOW LAKE ESTATES
Legal Lot Number	12
Jurisdiction	MONROE IL
Township / Civil Division	7
Census Block Group	2
Census Block	2022
Census Tract	600401

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	2 Individual Names on Record
Mailing Address	331 E 4TH ST, WATERLOO, IL 62298-1639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Warranty Deed, Construction Loan · Construction Mortgage FIRST BANK
Nov 30, 2021	Deed of Trust, Mortgage · Construction Mortgage GUARANTEED RATE INC
Mar 24, 2023	Warranty Deed, Construction Loan · Construction Mortgage LUMINATE HOME LOANS INC
Nov 30, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Mar 24, 2023 · Amount on Record
Deed Document Number	2025439462
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	0000421201
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 1, 2025
Property Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652
Document Number	0000439462
Instrument Date	Sep 30, 2025
Instrument	439462
Transaction Type	Construction Loan
Record Updated	Oct 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$637.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652

Mortgage

Document Number	0000439463
Date	Oct 1, 2025
Instrument	439463

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.13%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421200
Date	Nov 30, 2021
Instrument	421200

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate

March 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 24, 2023
Property Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652
Document Number	0000428371
Instrument Date	Mar 23, 2023
Instrument	428371
Transaction Type	Construction Loan
Record Updated	Apr 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652

Mortgage

Document Number	0000428372
Date	Mar 24, 2023
Instrument	428372

Lender

Name	LUMINATE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.5%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Nov 30, 2021
Property Address	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652
Document Number	0000421201
Instrument Date	Nov 24, 2021
Instrument	421201
Transaction Type	Transfer
Record Updated	Dec 22, 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	6046 WILLOW BEND LN, WATERLOO, IL 62298-2652

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		$91,670 (-5.31%) Land $16,650 Building $75,020	$275,010 (-5.31%) Land $49,950 Building $225,060
2024	$5,288.00 Additional exemption filed	$96,813 (+5.61%) Land $17,584 Building $79,229	$290,439 (+5.61%) Land $52,752 Building $237,687
2022	Additional exemption filed	$91,670 Land $16,650 Building $75,020	$275,010 Land $49,950 Building $225,060

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 96% of the US · lower than 74% 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 9 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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