7180 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7180 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,060 sqft · built 2018
Lot Size	5.24 acres (228,254 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,757 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jan 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-015-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,060 sqft Living Area
1st Floor Area	2,060 sqft
Basement Area	2,060 sqft
Unfinished Basement	2,060 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	228,254 sqft (5.24 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7180 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

7180 Clayton Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/WATERLOO
Jan 31, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO
Aug 22, 2017	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jul 7, 2017	Loan Modification, Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000396781
Date	Jul 6, 2018
Instrument	396781

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405823
Date	Jan 23, 2020
Instrument	405823

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412000
Date	Oct 26, 2020
Instrument	412000

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000410852
Instrument Date	Aug 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7180 CLAYTON RD WATERLOO IL 622984440, WATERLOO, IL 62298-4440

Mortgage

Document Number	0000410852
Date	Sep 9, 2020
Instrument	410852

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

Interest

Rate	2.5%

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jan 31, 2018
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Instrument Date	Jan 18, 2018
Instrument	394115
Transaction Type	Construction Loan
Record Updated	Feb 8, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000394115
Date	Jan 31, 2018
Instrument	394115

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

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Aug 22, 2017
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000391525
Instrument Date	Aug 18, 2017
Instrument	391525
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 MONROE ST, WATERLOO, IL 62298-1120

Mortgage

Document Number	0000391526
Date	Aug 22, 2017
Instrument	391526

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	7180 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000390912
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Feb 4, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	CLAYTON MDWS WATERLOO IL 62298, WATERLOO, IL 62298
Investor	Possibly a Property Investor

Mortgage

Document Number	0000390912
Date	Jul 17, 2017
Instrument	390912

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Term	12 Months
Due	Jul 16, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 7180 Clayton Rd was $9,757, up 6% 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	$9,757.00 (+6%) Homeowner's exemption	$168,630 Land $24,030 Building $144,600	$505,890 Land $72,090 Building $433,800
2024	$9,205.00
2022	Additional exemption filed	$146,540 Land $24,030 Building $122,510	$439,620 Land $72,090 Building $367,530

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 7180 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 7180 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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