6265 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 6265 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	5 acres (217,800 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Jun 2022)
Tax Bill	$4,774 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-07-100-008-000`

Property Details

APN / Parcel Number

Primary APN	`11-07-100-008-000`

Exterior

Lot Area	217,800 sqft (5 acres)
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Driveway	Concrete Driveway
Driveway Area	520 sqft

Location & Zoning

Street Address	6259 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298-2821
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	MB2
Legal Description	PART TAX LOT 3J
Legal Range	09W
Legal Township	03S
Legal Section	07
Legal Subdivision	OAK VLY ESTATES
Legal Lot Number	3J
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	1
Census Block	1008
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	Company Name on Record
Mailing Address	404 W 3RD ST, WATERLOO, IL 62298-1357
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Corporation Deed, Transfer · Commercial Mortgage BUENA VISTA NATIONAL BANK
Nov 24, 2020	Deed of Trust, Mortgage · Commercial Mortgage STATE BANK
May 15, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL BK/ST LOUIS
May 10, 2019	Loan Modification, Mortgage CENTRAL BK/ST LOUIS
Feb 10, 2019	Loan Modification, Mortgage CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	2022424530
Record Updated	Oct 29, 2026

June 2022: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	MONROE IL
Recording Date	Jun 1, 2022
Property Address	6265 STATE ROUTE 3, WATERLOO, IL 62298-2821
Document Number	0000424530
Instrument Date	Jun 1, 2022
Instrument	424530
Transaction Type	Transfer
Record Updated	Jun 22, 2022

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	12232 BENNINGTON PL, 12232, MARYLAND HEIGHTS, MO 63043-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 N MAIN ST, WATERLOO, IL 62298-1202

Mortgage

Document Number	0000424531
Date	Jun 1, 2022
Instrument	424531

Lender

Name	BUENA VISTA NATIONAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6265 STATE ROUTE 3, WATERLOO, IL 62298-2821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412745
Date	Nov 24, 2020
Instrument	412745

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 3, 2025

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6265 STATE ROUTE 3, WATERLOO, IL 62298-2821
Document Number	0000401572
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6265 STATE ROUTE 3 WATERLOO IL 622982821, WATERLOO, IL 62298-2821

Mortgage

Document Number	0000401572
Date	May 21, 2019
Instrument	401572

Lender

Name	CENTRAL BK/ST LOUIS
Address	COLUMBIA, IL 62236

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 20, 2022

Interest

Rate Type	Adjustable Rate
Rate	5.37%

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	6265 STATE ROUTE 3, WATERLOO, IL 62298-2821
Document Number	0000401588
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6265 STATE ROUTE 3 WATERLOO IL 622982821, WATERLOO, IL 62298-2821

Mortgage

Document Number	0000401588
Date	May 22, 2019
Instrument	401588

Lender

Name	CENTRAL BK/ST LOUIS
Address	DES PERES, MO 63131-4313

Agreement

Amount	Amount Recorded
Term	36 Months
Due	May 21, 2022

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	6265 STATE ROUTE 3, WATERLOO, IL 62298-2821
Document Number	0000400828
Instrument Date	Feb 10, 2019
Transaction Type	Mortgage
Record Updated	Apr 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6265 STATE ROUTE 3 WATERLOO IL 622982821, WATERLOO, IL 62298-2821

Mortgage

Document Number	0000400828
Date	Apr 10, 2019
Instrument	400828

Lender

Name	CENTRAL BK/ST LOUIS
Address	DES PERES, MO 63131-4313

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Apr 9, 2020

Interest

Rate	5.37%

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	$4,774.00 (-2.27%)	$81,040 (-0.05%) Land $16,670 Building $64,370	$243,120 (-0.05%) Land $50,010 Building $193,110
2024	$4,885.00
2022		$81,080 Land $16,670 Building $64,410	$243,240 Land $50,010 Building $193,230

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 Claims	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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	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 13 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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