6977 Deer Hill Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 6977 Deer Hill Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,320 sqft · built 1940
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Apr 2022)
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-300-001-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-300-001-000`
Alternative APN	`07290000001300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Carport
Garage Area	390 sqft
Carport	Carport
Carport Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6977 DEER HILL RD
City	WATERLOO
State	IL
Zip	62298-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART LOT 6
Legal Range	10W
Legal Township	02S
Legal Section	29
Legal Lot Number	6
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3006
Census Tract	600402

Owner

6977 Deer Hill Rd is owned and occupied by an individual who bought it in April 2022.

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	6977 DEER HILL RD, WATERLOO, IL 62298-4807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit BUENA VISTA NATIONAL BANK
May 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage BUENA VISTA NATIONAL BANK
Apr 8, 2022	Warranty Deed, Transfer · Conventional Mortgage BUENA VISTA NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Deed Document Number	2022423720
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6977 DEER HILL RD, WATERLOO, IL 62298-4807
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430922
Date	Oct 18, 2023
Instrument	430922

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 11, 2028

Interest

Rate Type	Fixed Rate
Rate	7.99%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6977 DEER HILL RD, WATERLOO, IL 62298-4807
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424176
Date	May 9, 2022
Instrument	424176

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 8, 2022
Property Address	6977 DEER HILL RD, WATERLOO, IL 62298-4807
Document Number	0000423720
Map Reference	MB C PG 296
Instrument Date	Apr 8, 2022
Instrument	423720
Transaction Type	Transfer
Record Updated	Apr 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6977 DEER HILL RD, WATERLOO, IL 62298-4807

Mortgage

Document Number	0000423721
Date	Apr 8, 2022
Instrument	423721

Lender

Name	BUENA VISTA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4%

Mortgage

Document Number	0000423722
Date	Apr 8, 2022
Instrument	423722

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 8, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6977 Deer Hill Rd was $3,010, down 2.3% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,010.00 (-2.27%) Homeowner's exemption	$56,000 Land $19,400 Building $36,600	$168,000 Land $58,200 Building $109,800
2024	$3,080.00
2022	Additional exemption filed	$56,000 Land $19,400 Building $36,600	$168,000 Land $58,200 Building $109,800

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

FEMA maps place 6977 Deer Hill Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 6977 Deer Hill Rd is low, with a 0.01% annual chance of 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	Direct 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000

May also be available: T-Mobile, Wisper ISP.

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