7108 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7108 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,063 sqft · built 2016
Lot Size	4.49 acres (195,584 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,003 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-017-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	2,063 sqft Living Area
1st Floor Area	2,063 sqft
Basement Area	2,063 sqft
Unfinished Basement	2,063 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	195,584 sqft (4.49 acres)
Garage Area	941 sqft
Porch	Porch
Porch Area	451 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7108 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
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	7108 CLAYTON RD, WATERLOO, IL 62298-4440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE

Assessor's Deed Record

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

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7108 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427378
Date	Dec 21, 2022
Instrument	427378

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7108 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415091
Date	Feb 22, 2021
Instrument	415091

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$10,003.00 (+5.8%) Homeowner's exemption	$172,740 (+17.55%) Land $22,760 Building $149,980	$518,220 (+17.55%) Land $68,280 Building $449,940
2024	$9,455.00
2022	Additional exemption filed	$146,950 Land $22,760 Building $124,190	$440,850 Land $68,280 Building $372,570

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	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

Nearby Properties on Clayton Rd

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