7102 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7102 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,034 sqft · built 2017
Lot Size	3.82 acres (166,399 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Feb 2026)
Tax Bill	$10,091 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-018-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-018-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,034 sqft Living Area
1st Floor Area	2,034 sqft
Basement Area	2,034 sqft
Unfinished Basement	2,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	166,399 sqft (3.82 acres)
Garage Area	1,273 sqft
Porch	Porch
Porch Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7102 CLAYTON RD
City	WATERLOO
State	IL
Zip	62298-4440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART E/2 NE/4
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

7102 Clayton Rd is owned by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	101 E HARRISONVILLE DR, WATERLOO, IL 62298
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 4, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jan 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Aug 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jan 25, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on File
Deed Sale	Feb 4, 2026 · Amount on File
Deed Document Number	2026441118
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 4, 2026
Property Address	7102 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000441118
Instrument Date	Feb 3, 2026
Instrument	441118
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7102 CLAYTON RD, WATERLOO, IL 62298-4440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7102 CLAYTON RD, WATERLOO, IL 62298-4440

Mortgage

Document Number	0000441119
Date	Feb 4, 2026
Instrument	441119

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7102 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427534
Date	Jan 5, 2023
Instrument	427534

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2032

Interest

Rate Type	Fixed Rate
Rate	7.25%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7102 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419185
Date	Aug 19, 2021
Instrument	419185

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 5, 2031

Interest

Rate Type	Fixed Rate

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 25, 2017
Property Address	7102 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000388030
Instrument Date	Jan 17, 2017
Instrument	388030
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 20, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7102 CLAYTON RD WATERLOO IL 622984440, WATERLOO, IL 62298-4440

Mortgage

Document Number	388031
Date	Jan 25, 2017
Instrument	388031

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 7102 Clayton Rd was $10,091, up 12.3% 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	$10,091.00 (+12.32%)	$174,200 (+8.23%) Land $21,630 Building $152,570	$522,600 (+8.23%) Land $64,890 Building $457,710
2024	$8,984.00 Additional exemption filed	$160,960 Land $22,843 Building $138,117	$482,880 Land $68,529 Building $414,351
2022	Additional exemption filed	$141,090 Land $21,630 Building $119,460	$423,270 Land $64,890 Building $358,380

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 7102 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 7102 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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