7130 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7130 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,710 sqft · built 2016
Lot Size	4.41 acres (192,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Aug 2021)
Tax Bill	$7,623 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-013-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,710 sqft Living Area
1st Floor Area	1,710 sqft
Basement Area	1,710 sqft
Unfinished Basement	1,710 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	192,100 sqft (4.41 acres)
Garage Area	484 sqft
Porch	Porch
Porch Area	129 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7130 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

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	7130 CLAYTON RD, WATERLOO, IL 62298-4440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK
Jun 15, 2018	Deed of Trust, Mortgage · Line of Credit ANHEUSER BUSCH EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Deed Document Number	2021419427
Last Transfer Date	May 1, 2025
Transfer Doc	0000437459
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 31, 2021
Property Address	7130 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000419427
Instrument Date	Aug 27, 2021
Instrument	419427
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$558.00
Amount Accuracy	Rounded by County
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	7130 CLAYTON RD, WATERLOO, IL 62298-4440

Mortgage

Document Number	0000419428
Date	Aug 31, 2021
Instrument	419428

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7130 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000396716
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7130 CLAYTON RD WATERLOO IL 622984440, WATERLOO, IL 62298-4440

Mortgage

Document Number	0000396716
Date	Jul 2, 2018
Instrument	396716

Lender

Name	ANHEUSER BUSCH EMPS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2043

Interest

Rate Type	Adjustable 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	$7,623.00 (+6.1%) Homeowner's exemption	$133,010 (+24.82%) Land $22,630 Building $110,380	$399,030 (+24.82%) Land $67,890 Building $331,140
2024	$7,185.00 (+14.12%)
2022	$6,296.00 Additional exemption filed	$106,560 Land $22,630 Building $83,930	$319,680 Land $67,890 Building $251,790

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	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 6 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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