7171 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7171 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,236 sqft · built 2018
Lot Size	5.13 acres (223,463 sqft)
Owner	2 Trust Names on File
Last Sale	$62,000 (Nov 2017)
Tax Bill	$10,532 (2025)
Deeds & Mortgages	Apr 2026 Sale Sep 2018 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-005-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	2,236 sqft Living Area
1st Floor Area	2,236 sqft
Basement Area	2,236 sqft
Unfinished Basement	2,236 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	223,463 sqft (5.13 acres)
Garage Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7171 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

7171 Clayton Rd is owner-occupied and held in a trust since November 2017.

Source: Monroe County records, as of October 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Apr 1, 2026	Deed, Transfer FIRST AMERICAN TITLE
Sep 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jul 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Apr 23, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO
Nov 20, 2017	Warranty Deed, Subdivision Related Transfer FAIRWAY INDEPENDENT MTG
Nov 20, 2017	Warranty Deed, Transfer ACCENT TITLE
Nov 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2017 · Amount on File
Deed Sale	Nov 22, 2017 · Amount on File
Prior Sale	Nov 20, 2017 · Amount on File
Deed Document Number	2017393082
Prior Transfer Date	Nov 17, 2017
Prior Transfer Doc	0000393025
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 1, 2026
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Document Number	0000441926
Instrument Date	Mar 31, 2026
Instrument	2026441926
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000398030
Date	Sep 27, 2018
Instrument	398030

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402256
Date	Jul 2, 2019
Instrument	402256

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000410322
Date	Aug 18, 2020
Instrument	410322

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

April 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Apr 23, 2018
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Instrument Date	Apr 14, 2018
Instrument	395437
Transaction Type	Construction Loan
Record Updated	May 1, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7171 CLAYTON RD WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000395437
Date	Apr 23, 2018
Instrument	395437

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 20, 2017
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Document Number	0000393028
Instrument Date	Nov 17, 2017
Instrument	393028
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 5, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$613.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7148 ROBERT LN WATERLOO IL 622984441, WATERLOO, IL 62298-4441

Mortgage

Document Number	393029
Date	Nov 20, 2017
Instrument	393029

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 20, 2017
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Document Number	0000393027
Instrument Date	Nov 17, 2017
Instrument	393027
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Tax	$60.00
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	529 S CHURCH ST WATERLOO IL 622981430, WATERLOO, IL 62298-1430

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Nov 20, 2017
Property Address	7171 CLAYTON RD, WATERLOO, IL 62298-4443
Document Number	0000393024
Instrument Date	Nov 17, 2017
Instrument	393024
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 10 WATERLOO IL 622980010, WATERLOO, IL 62298-0010
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 7171 Clayton Rd was $10,532 with a homeowner's exemption, up 10.2% 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	$10,532.00 (+10.21%) Homeowner's exemption	$186,360 (+5.99%) Land $23,840 Building $162,520	$559,080 (+5.99%) Land $71,520 Building $487,560
2024	$9,556.00	$175,830 Land $25,177 Building $150,653	$527,490 Land $75,531 Building $451,959
2022	$9,011.00 Homeowner's exemption Additional exemption filed	$154,920 Land $23,840 Building $131,080	$464,760 Land $71,520 Building $393,240

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7171 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 7171 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	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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