Monroe County property record for 6906 State Rte 156, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,344 sqft · built 1910 |
| Lot Size | 14.4 acres (627,264 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,950 (2024) |
| Deeds & Mortgages | Mar 2024 Mortgage Oct 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-12-100-005-000 |
| Primary APN | 11-12-100-005-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Brick/Stone |
| Lot Area | 627,264 sqft (14.4 acres) |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|
| Street Address | 6906 STATE ROUTE 156 |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-2518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART NE NW & PART NW NE |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 12 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 600501 |
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 | 6906 STATE ROUTE 156, WATERLOO, IL 62298-2518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Oct 1, 2020 | Deed of Trust, Construction Loan · Line of Credit STATE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 6906 STATE ROUTE 156, WATERLOO, IL 62298-2518 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000432408 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 432408 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.63% |
| Max Rate At Change | 8.63% |
| Index | 1-Month LIBOR |
| Margin | 3 |
| Max Rate | 11.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 1, 2020 |
| Property Address | 6906 STATE ROUTE 156, WATERLOO, IL 62298-2518 |
| Document Number | 0000411413 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 411413 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 12, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6906 STATE ROUTE 156 WATERLOO IL 622982518, WATERLOO, IL 62298-2518 |
| Document Number | 0000411413 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 411413 |
| Name | STATE BK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 30, 2021 |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $133,192 (+427.01%) Land $16,532 Building $116,660 | ||
| 2024 | $7,950.00 | $426,324 Land $49,764 Building $376,560 | |
| 2022 | $25,273 Land $14,873 Building $10,400 |
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.
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.
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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
| Wisper ISP Fixed Wireless | 10 / 1 |
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