6609 Gladel Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 6609 Gladel Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,116 sqft · built 1996
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Jun 2019)
Tax Bill	$4,885 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-11-300-016-000`

Property Details

APN / Parcel Number

Primary APN	`11-11-300-016-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,116 sqft Building Perimeter
1st Floor Area	780 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	131,116 sqft (3.01 acres)
Garage Area	480 sqft
Driveway	Concrete Driveway
Driveway Area	800 sqft

Exterior Amenities

Porch	Slab
Porch Area	504 sqft
Deck Area	541 sqft
Patio Area	403 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6609 GLADEL DR
City	WATERLOO
State	IL
Zip	62298-5055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART E/2 SW
Legal Range	09W
Legal Township	03S
Legal Section	11
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2039
Census Tract	600501

Owner

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

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	6609 GLADEL DR, WATERLOO, IL 62298-5055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Line of Credit HUD
Jun 5, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 5, 2019 · Amount on Record
Deed Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	2019401785
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6609 GLADEL DR, WATERLOO, IL 62298-5055
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430233
Date	Aug 23, 2023
Instrument	430233

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	312 Months
Due	Jul 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 5, 2019
Property Address	6609 GLADEL DR, WATERLOO, IL 62298-5055
Document Number	0000401785
Instrument Date	Jun 4, 2019
Instrument	401785
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$373.50
Amount Accuracy	Confirmed
Additional	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	6609 GLADEL DR WATERLOO IL 622985055, WATERLOO, IL 62298-5055

Mortgage

Document Number	401786
Date	Jun 5, 2019
Instrument	401786

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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

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		$99,790 (+14.78%) Land $13,150 Building $86,640	$299,370 (+14.78%) Land $39,450 Building $259,920
2024	$4,885.00
2022	Additional exemption filed	$86,940 Land $13,150 Building $73,790	$260,820 Land $39,450 Building $221,370

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

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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