7085 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7085 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,878 sqft · built 2015
Lot Size	3.19 acres (138,956 sqft)
Owner	Individual Name on Record
Last Sale	$449,900 (Jun 2023)
Tax Bill	$8,263 (2025)
Deeds & Mortgages	Jun 2023 Sale & Construction Loan Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-011-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,878 sqft Living Area
1st Floor Area	1,878 sqft
Basement Area	1,878 sqft
Unfinished Basement	1,878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	138,956 sqft (3.19 acres)
Garage Area	751 sqft
Porch	Porch
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7085 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

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	Individual Name on Record
Mailing Address	7085 CLAYTON RD, WATERLOO, IL 62298-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Warranty Deed, Construction Loan · Construction Mortgage FAIRWAY INDEPENDENT MTG CORP
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Dec 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	2023429233
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 2, 2023
Property Address	7085 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000429233
Instrument Date	Jun 1, 2023
Instrument	429233
Transaction Type	Construction Loan
Record Updated	Jun 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	360 IL ROUTE 2, DIXON, IL 61021-9119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7085 CLAYTON RD, WATERLOO, IL 62298-4439

Mortgage

Document Number	0000429234
Date	Jun 2, 2023
Instrument	429234

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.63%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7085 CLAYTON RD, WATERLOO, IL 62298-4439
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419319
Date	Aug 25, 2021
Instrument	419319

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7085 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000409348
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7085 CLAYTON RD WATERLOO IL 622984439, WATERLOO, IL 62298-4439

Mortgage

Document Number	0000409348
Date	Jul 13, 2020
Instrument	409348

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7085 CLAYTON RD, WATERLOO, IL 62298-4439
Document Number	0000393455
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7085 CLAYTON RD WATERLOO IL 622984439, WATERLOO, IL 62298-4439

Mortgage

Document Number	0000393455
Date	Dec 15, 2017
Instrument	393455

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 14, 2032

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	$8,263.00 (+7.66%) Homeowner's exemption	$143,690 (+18.3%) Land $20,570 Building $123,120	$431,070 (+18.3%) Land $61,710 Building $369,360
2024	$7,675.00
2022	Additional exemption filed	$121,460 (+13.18%) Land $20,570 Building $100,890	$364,380 (+13.18%) Land $61,710 Building $302,670
2021	Additional exemption filed	$107,320 Land $20,570 Building $86,750	$321,960 Land $61,710 Building $260,250

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

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	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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