7186 Clayton Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7186 Clayton Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,343 sqft · built 2017
Lot Size	7.97 acres (347,173 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Nov 2017)
Tax Bill	$11,279 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-200-014-000`

Property Details

APN / Parcel Number

Primary APN	`07-29-200-014-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,343 sqft Living Area
1st Floor Area	2,343 sqft
Basement Area	2,343 sqft
Unfinished Basement	2,343 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	347,173 sqft (7.97 acres)
Garage Area	1,110 sqft
Porch	Porch
Porch Area	306 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	7186 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

7186 Clayton Rd is owned and occupied by two individuals who acquired it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	7186 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
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO
Nov 20, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE BK/WATERLOO
Jul 7, 2017	Loan Modification, Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2017 · Amount on File
Deed Sale	Nov 20, 2017 · Amount on File
Deed Document Number	2017393032
Last Transfer Date	Oct 23, 2019
Transfer Doc	0000404550
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7186 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000407431
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7186 CLAYTON RD WATERLOO IL 622984440, WATERLOO, IL 62298-4440

Mortgage

Document Number	0000407431
Date	Apr 21, 2020
Instrument	407431

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

Interest

Rate	3%

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 20, 2017
Property Address	7186 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000393032
Instrument Date	Nov 17, 2017
Instrument	393032
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 24, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
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	7186 CLAYTON RD WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	393033
Date	Nov 20, 2017
Instrument	393033

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	7186 CLAYTON RD, WATERLOO, IL 62298-4440
Document Number	0000390912
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

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 7186 Clayton Rd was $11,279, up 6.4% 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	$11,279.00 (+6.37%) Homeowner's exemption	$194,040 (+2.72%) Land $28,640 Building $165,400	$582,120 (+2.72%) Land $85,920 Building $496,200
2024	$10,604.00	$188,905 Land $30,247 Building $158,658	$566,715 Land $90,741 Building $475,974
2022	Additional exemption filed	$163,830 Land $28,640 Building $135,190	$491,490 Land $85,920 Building $405,570

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 7186 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 7186 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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