7061 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7061 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,838 sqft · built 2018
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jul 2018)
Tax Bill	$8,506 (2025)
Deeds & Mortgages	Aug 2018 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-010-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,838 sqft Living Area
1st Floor Area	1,838 sqft
Basement Area	1,838 sqft
Unfinished Basement	1,838 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	118,919 sqft (2.73 acres)
Garage Area	840 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7061 CLAYTON RD
City	WATERLOO
State	IL
Zip	62298-4439
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

7061 Clayton Rd is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	7061 CLAYTON RD, WATERLOO, IL 62298-4439
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
May 15, 2020	Deed of Trust, Mortgage · Conventional with PMI COMMUNITY BK/TRENTON
Jul 23, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FCB BANKS
Dec 29, 2017	Intrafamily Transfer, Transfer
Apr 8, 2017	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2018 · Amount on File
Deed Sale	Jul 23, 2018 · Amount on File
Prior Sale	Dec 29, 2017
Deed Document Number	2018397020
Prior Transfer Date	Dec 27, 2017
Prior Transfer Doc	0000393670
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7061 CLAYTON RD, WATERLOO, IL 62298-4439
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000397513
Date	Aug 23, 2018
Instrument	397513

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Aug 15, 2024

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7061 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000410167
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7061 CLAYTON RD WATERLOO IL 622984439, WATERLOO, IL 62298-4439

Mortgage

Document Number	0000410167
Date	Aug 12, 2020
Instrument	410167

Lender

Name	COMMUNITY BK/TRENTON
Type	Bank
Address	TRENTON, IL 62293

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2050

Interest

Rate	2.87%

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 23, 2018
Property Address	7061 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000397020
Instrument Date	Jul 19, 2018
Instrument	397020
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Calculated from Transfer Tax
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	7061 CLAYTON RD, WATERLOO, IL 62298-4439

Mortgage

Document Number	0000397021
Date	Jul 23, 2018
Instrument	397021

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Jul 19, 2024

Interest

Rate Type	Fixed Rate

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Dec 29, 2017
Property Address	7061 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000393670
Instrument Date	Dec 27, 2017
Instrument	393670
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10, WATERLOO, IL 62298-0010
Investor	Possibly a Property Investor

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	7061 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000389724
Instrument Date	Apr 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	TROUT CAMP RD WATERLOO IL 62298, WATERLOO, IL 62298

Tax Assessment & Valuation

The 2025 property tax bill for 7061 Clayton Rd was $8,506.

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	$8,506.00 Homeowner's exemption	$147,740 Land $19,790 Building $127,950	$443,220 Land $59,370 Building $383,850
2024	$8,506.00
2022	Additional exemption filed	$125,250 Land $19,790 Building $105,460	$375,750 Land $59,370 Building $316,380

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 7061 Clayton 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 7061 Clayton 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 (outdoors only) and 4G LTE

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