6162 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 6162 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,500 (May 2018)
Tax Bill	$5,720 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-417-002-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-417-002-000`

Exterior

Lot Area	52,708 sqft (1.21 acres)
Driveway	Concrete Driveway
Driveway Area	240 sqft

Location & Zoning

Street Address	6162 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298-3012
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	MB2
Legal Description	LOT 2 J-D BUSINESS PARK
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	J-D BUSINESS PARK
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2025
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	335 INDEPENDENCE AVE, WATERLOO, IL 62298-1290
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
May 16, 2018	Warranty Deed, Transfer · Line of Credit STATE BK/WATERLOO
Sep 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 17, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Deed Document Number	2018395890
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6162 STATE ROUTE 3, WATERLOO, IL 62298-3012
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415603
Date	Mar 15, 2021
Instrument	415603

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	216 Months
Due	Apr 22, 2039

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 16, 2018
Property Address	6162 STATE ROUTE 3, WATERLOO, IL 62298-3012
Document Number	0000395890
Instrument Date	May 14, 2018
Instrument	395890
Transaction Type	Transfer
Record Updated	May 25, 2018
Title Company	MON CLAIR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$356.25
Additional	Lis Pendens 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	335 INDEPENDENCE AVE WATERLOO IL 622981290, WATERLOO, IL 62298-1290

Mortgage

Document Number	395891
Date	May 16, 2018
Instrument	395891

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 15, 2038

Interest

Rate Type	Adjustable Rate

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Sep 29, 2017
Property Address	6162 STATE ROUTE 3, WATERLOO, IL 62298-3012
Document Number	0000392209
Instrument Date	Sep 29, 2017
Instrument	392209
Transaction Type	Transfer
Record Updated	Oct 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	885 N ILLINOIS ROUTE 3 WATERLOO IL 622981078, WATERLOO, IL 62298-1078

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 17, 2017
Property Address	6162 STATE ROUTE 3, WATERLOO, IL 62298-3012
Document Number	0000391465
Instrument Date	Aug 15, 2017
Instrument	391465
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6162 STATE RTE WATERLOO IL 62298, WATERLOO, IL 62298

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	$5,720.00	$97,080 (-0.11%) Land $9,490 Building $87,590	$291,240 (-0.11%) Land $28,470 Building $262,770
2024	$5,720.00
2022		$97,190 Land $9,490 Building $87,700	$291,570 Land $28,470 Building $263,100

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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