Monroe County property record for 6055 State Rte 3, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,530 sqft · built 2002 |
| Lot Size | 3.05 acres (132,858 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $9,224 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-17-117-001-000 |
| Primary APN | 11-17-117-001-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,530 sqft Living Area |
| 1st Floor Area | 2,530 sqft |
| Basement Area | 2,530 sqft |
| Unfinished Basement | 2,530 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 132,858 sqft (3.05 acres) |
| Garage Area | 1,080 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,953 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 697 sqft |
| Porch | Slab |
| Porch Area | 256 sqft |
| Deck Area | 228 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 6055 STATE ROUTE 3 |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | LOT 1 & PART LOT 2 GRAND TERRACE 0240460 |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 17 |
| Legal Subdivision | GRAND TERRACE |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 600501 |
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 Company Names on Record |
|---|---|
| Mailing Address | 6055 STATE ROUTE 3, WATERLOO, IL 62298-3011 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Nov 13, 2018 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 8, 2025 |
| Transfer Doc | 0000436703 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 9, 2026 |
| Property Address | 6055 STATE ROUTE 3, WATERLOO, IL 62298-3011 |
| Document Number | 0000442039 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 2026442039 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Address | 6055 STATE ROUTE 3, WATERLOO, IL 62298-3011 |
| Document Number | 0000442039, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 2026442039 |
| Name | STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 6055 STATE ROUTE 3, WATERLOO, IL 62298-3011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000413153 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 413153 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 6055 STATE ROUTE 3, WATERLOO, IL 62298-3011 |
| Document Number | 0000398920 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2018 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6055 STATE ROUTE 3 WATERLOO IL 622983011, WATERLOO, IL 62298-3011 |
| Document Number | 0000398920 |
|---|---|
| Date | Nov 28, 2018 |
| Instrument | 398920 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 27, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,224.00 (+56.39%) Homeowner's exemption | $167,100 (+61.37%) Land $5,130 Building $161,970 | $501,300 (+61.37%) Land $15,390 Building $485,910 |
| 2024 | $5,898.00 | ||
| 2022 | Additional exemption filed | $103,550 Land $5,140 Building $98,410 | $310,650 Land $15,420 Building $295,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
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