6566 H Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 6566 H Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,781 sqft · built 2003
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on File
Last Sale	$519,900 (Sep 2023)
Tax Bill	$7,216 (2024)
Deeds & Mortgages	Sep 2023 Construction Loan Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-34-301-010-000`

Property Details

APN / Parcel Number

Primary APN	`08-34-301-010-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,781 sqft Living Area
1st Floor Area	1,781 sqft
Basement Area	1,781 sqft
Unfinished Basement	1,781 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	109,336 sqft (2.51 acres)
Garage Area	832 sqft
Driveway	Concrete Driveway
Driveway Area	900 sqft

Exterior Amenities

Porch	Slab
Porch Area	224 sqft
Deck Area	96 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6566 H RD
City	WATERLOO
State	IL
Zip	62298-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 10 WILLOW LAKE ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	34
Legal Subdivision	WILLOW LAKE ESTATES
Legal Lot Number	10
Jurisdiction	MONROE IL
Township / Civil Division	7
Census Block Group	2
Census Block	2022
Census Tract	600401

Owner

Source: Monroe County records · APN 08-34-301-010-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	23740 S MISSOURI RIVER VIEW DR, HARTSBURG, MO 65039-8828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Construction Loan · Construction Mortgage NEIGHBORS BANK
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit STATE BANK
Nov 08, 2021	Deed of Trust, Mortgage · Construction Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Deed Document Number	2023430469
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 11, 2023
Property Address	6566 H RD, WATERLOO, IL 62298-2612
Document Number	0000430469
Instrument Date	Sep 08, 2023
Instrument	430469
Transaction Type	Construction Loan
Record Updated	Oct 04, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6566 H RD, WATERLOO, IL 62298-2612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6566 H RD, WATERLOO, IL 62298-2612
Investor	Possibly a Property Investor

Mortgage

Document Number	0000430470
Date	Sep 11, 2023
Instrument	430470

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Interest

Rate Type	Fixed Rate
Rate	5.99%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6566 H RD, WATERLOO, IL 62298-2612
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426281
Date	Sep 28, 2022
Instrument	426281

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 27, 2047

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6566 H RD, WATERLOO, IL 62298-2612
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420831
Date	Nov 08, 2021
Instrument	420831

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 01, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$132,360 (+1.89%) Land $16,620 Building $115,740	$397,080 (+1.89%) Land $49,860 Building $347,220
2024	$7,216.00	$129,910 (+19.53%) Land $17,552 Building $112,358	$389,730 (+19.53%) Land $52,656 Building $337,074
2022	Additional exemption filed	$108,680 (+4.59%) Land $16,620 Building $92,060	$326,040 (+4.59%) Land $49,860 Building $276,180
2021	$6,318.00 Additional exemption filed	$103,910 Land $16,620 Building $87,290	$311,730 Land $49,860 Building $261,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
HTC Holding Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on H Rd

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