7165 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7165 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,931 sqft · built 2019
Lot Size	5.13 acres (223,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,500 (Jul 2024)
Tax Bill	$8,867 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-007-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,931 sqft Living Area
1st Floor Area	1,931 sqft
Basement Area	1,931 sqft
Unfinished Basement	1,931 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	223,463 sqft (5.13 acres)
Garage Area	884 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7165 CLAYTON RD
City	WATERLOO
State	IL
Zip	62298-4443
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7165 CLAYTON RD, WATERLOO, IL 62298-4443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jul 10, 2019	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO
Dec 26, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2024 · Amount on Record
Deed Sale	Jul 29, 2024 · Amount on Record
Deed Document Number	2024434009
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7165 CLAYTON RD, WATERLOO, IL 62298-4443
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000391484
Date	Aug 17, 2017
Instrument	391484

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7165 CLAYTON RD, WATERLOO, IL 62298-4443
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403261
Date	Aug 28, 2019
Instrument	403261

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7165 CLAYTON RD, WATERLOO, IL 62298-4443
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000408683
Date	Jun 12, 2020
Instrument	408683

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jul 10, 2019
Property Address	7165 CLAYTON RD, WATERLOO, IL 62298-4443
Instrument Date	Jun 21, 2019
Instrument	402384
Transaction Type	Construction Loan
Record Updated	Jul 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7102 CLAYTON RD WATERLOO IL 622984440, WATERLOO, IL 62298-4440

Mortgage

Document Number	0000402384
Date	Jul 10, 2019
Instrument	402384

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Dec 26, 2018
Property Address	7165 CLAYTON RD, WATERLOO, IL 62298-4443
Instrument Date	Dec 8, 2018
Instrument	399316
Transaction Type	Construction Loan
Record Updated	Jan 29, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000399316
Date	Dec 26, 2018
Instrument	399316

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$8,867.00 (+6.34%) Homeowner's exemption	$153,780 (+17.78%) Land $23,840 Building $129,940	$461,340 (+17.78%) Land $71,520 Building $389,820
2024	$8,338.00
2022	Additional exemption filed	$130,560 Land $23,840 Building $106,720	$391,680 Land $71,520 Building $320,160

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	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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