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6639 Gladel Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 6639 Gladel Dr, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,897 sqft · built 1995
Lot Size2.53 acres (110,207 sqft)
Owner2 Individual Names on Record
Last Sale$375,000 (Jul 2025)
Tax Bill$5,787 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
May 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN11-11-400-015-000

Property Details

APN / Parcel Number

Primary APN11-11-400-015-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,897 sqft Living Area
1st Floor Area1,897 sqft
Basement Area580 sqft
Unfinished Basement580 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Construction TypeFrame
Foundation TypeRaised
Lot Area110,207 sqft (2.53 acres)
Garage Area528 sqft

Exterior Amenities

PorchSlab
Porch Area199 sqft
Deck Area300 sqft
Patio Area91 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address6639 GLADEL DR
CityWATERLOO
StateIL
Zip62298-5055
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMA1
Legal DescriptionPART NW SE
Legal Range09W
Legal Township03S
Legal Section11
JurisdictionMONROE IL
Township / Civil Division8
Census Block Group2
Census Block2039
Census Tract600501

Owner

Source: Monroe County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2651 COLUMBIA LAKES DR, 1A, COLUMBIA, IL 62236-2699
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Sep 5, 2023Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE RESEARCH CENTER LLC
May 28, 2021Deed of Trust, Mortgage · FHA Mortgage
DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 18, 2025 · Amount on Record
Deed SaleJul 18, 2025 · Amount on Record
Prior SaleSep 5, 2023 · Amount on Record
Deed Document Number2025438496
Record UpdatedOct 29, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateSep 5, 2023
Property Address6639 GLADEL DR, WATERLOO, IL 62298-5055
Document Number0000430410
Instrument DateAug 31, 2023
Instrument430410
Transaction TypeTransfer
Record UpdatedSep 27, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$562.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6639 GLADEL DR, WATERLOO, IL 62298-5055

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6639 GLADEL DR, WATERLOO, IL 62298-5055

Mortgage

Document Number0000430411
DateSep 5, 2023
Instrument430411
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2053
Interest
Rate TypeFixed Rate
Rate7.38%

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address6639 GLADEL DR, WATERLOO, IL 62298-5055
Transaction TypeMortgage
Record UpdatedJun 30, 2021
Title CompanyACCENT TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000417486
DateMay 28, 2021
Instrument417486
Lender
NameDELMAR FINANCIAL CO
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,787.00 (-1.67%) Homeowner's exemption$101,800 (+19.33%) Land $11,880 Building $89,920$305,400 (+19.33%) Land $35,640 Building $269,760
2024$5,885.00
2022Additional exemption filed$85,310 (-1%) Land $11,880 Building $73,430$255,930 (-1%) Land $35,640 Building $220,290
2021Additional exemption filed$86,170 Land $11,880 Building $74,290$258,510 Land $35,640 Building $222,870

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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

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

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