7854 Andy Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 7854 Andy Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,761 sqft · built 1988
Lot Size	6.65 acres (289,674 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,814 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-16-200-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-16-200-013-000`
Alternative APN	`07160000000513 00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,761 sqft Living Area
1st Floor Area	1,761 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Foundation Type	Raised
Lot Area	289,674 sqft (6.65 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	896 sqft
Porch	Slab
Porch Area	97 sqft
Deck Area	670 sqft
Patio Area	1,420 sqft
Shed	1 Shed
Shed Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7854 ANDY RD
City	WATERLOO
State	IL
Zip	62298-6022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	PART E/2 NE
Legal Range	10W
Legal Township	02S
Legal Section	16
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2083
Census Tract	600402

Owner

7854 Andy 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	7854 ANDY RD, WATERLOO, IL 62298-6022
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
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU

Assessor's Deed Record

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7854 ANDY RD, WATERLOO, IL 62298-6022
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422100
Date	Jan 13, 2022
Instrument	422100

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 12, 2047

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	7854 ANDY RD, WATERLOO, IL 62298-6022
Document Number	0000402263
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 15, 2019
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7854 ANDY RD WATERLOO IL 622986022, WATERLOO, IL 62298-6022

Mortgage

Document Number	0000402263
Date	Jul 3, 2019
Instrument	402263

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 2, 2039

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 7854 Andy Rd was $6,814, down 3.3% 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	$6,814.00 (-3.35%) Homeowner's exemption	$119,500 Land $26,410 Building $93,090	$358,500 Land $79,230 Building $279,270
2024	$7,050.00
2022	Additional exemption filed	$92,000 Land $22,650 Building $69,350	$276,000 Land $67,950 Building $208,050

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 7854 Andy Rd in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 7854 Andy 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000

May also be available: Wisper ISP.

Nearby Properties on Andy Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures