6431 Deerfield Ct, Waterloo, IL 62298 Property Records

Monroe County property record for 6431 Deerfield Ct, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,072 sqft · built 1996
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,753 (2024)
Deeds & Mortgages	Jul 2018 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-01-118-050-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-118-050-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,072 sqft Living Area
1st Floor Area	2,072 sqft
Basement Area	1,365 sqft
Unfinished Basement	1,365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	17,424 sqft (0.4 acres)
Garage Area	483 sqft
Driveway	Concrete Driveway
Driveway Area	252 sqft

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	418 sqft
Patio Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6431 DEERFIELD CT
City	WATERLOO
State	IL
Zip	62298-2753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 50 VANDEBROOK ESTATES 1ST ADDN
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	VANDEBROOK ESTATES
Legal Lot Number	50
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4019
Census Tract	600501

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 Company Names on Record
Mailing Address	6431 DEERFIELD CT, WATERLOO, IL 62298-2753
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
May 15, 2017	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 27, 2025
Transfer Doc	0000437837
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6431 DEERFIELD CT, WATERLOO, IL 62298-2753
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000397027
Date	Jul 24, 2018
Instrument	397027

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2038

Interest

Rate Type	Fixed Rate

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	May 15, 2017
Property Address	6431 DEERFIELD CT, WATERLOO, IL 62298-2753
Document Number	0000389825
Map Reference	DOC180618
Instrument Date	May 12, 2017
Instrument	389825
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 DEERFIELD CT, WATERLOO, IL 62298-2753

Mortgage

Document Number	0000389826
Date	May 15, 2017
Instrument	389826

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 5, 2018

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$132,150 (+34.33%) Land $17,600 Building $114,550	$396,450 (+34.33%) Land $52,800 Building $343,650
2024	$5,753.00
2022	Additional exemption filed	$98,380 Land $15,910 Building $82,470	$295,140 Land $47,730 Building $247,410

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 97% of the US · lower than 79% 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 123 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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