7030 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7030 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,684 sqft · built 2015
Lot Size	3.02 acres (131,551 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,605 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-021-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-021-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	937 sqft
Upper Floors Area	747 sqft
Basement Area	1,684 sqft
Unfinished Basement	1,684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	131,551 sqft (3.02 acres)
Garage Area	736 sqft
Porch	Porch
Porch Area	492 sqft

Location & Zoning

Street Address	7030 CLAYTON RD
City	WATERLOO
State	IL
Zip	62298-4438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART E/2
Legal Range	10W
Legal Township	02S
Legal Section	29
Jurisdiction	MONROE IL
Township / Civil Division	22
Census Block Group	3
Census Block	3005
Census Tract	600402

Owner

Source: Monroe County records, as of October 13, 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 Record
Mailing Address	7030 CLAYTON RD, WATERLOO, IL 62298-4438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Feb 18, 2022	Deed of Trust, Mortgage · Construction Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7030 CLAYTON RD, WATERLOO, IL 62298-4438
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424865
Date	Jun 24, 2022
Instrument	424865

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2037

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7030 CLAYTON RD, WATERLOO, IL 62298-4438
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422738
Date	Feb 18, 2022
Instrument	422738

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$10,605.00 (+10.37%) Homeowner's exemption	$182,790 (+36.92%) Land $20,280 Building $162,510	$548,370 (+36.92%) Land $60,840 Building $487,530
2024	$9,609.00
2022	Additional exemption filed	$133,500 Land $20,280 Building $113,220	$400,500 Land $60,840 Building $339,660

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

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

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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