8081 Gall Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 8081 Gall Rd, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,297 sqft · built 1995
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (May 2020)
Tax Bill	$7,804 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-10-300-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-10-300-007-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,297 sqft Building Perimeter
1st Floor Area	1,297 sqft
Basement Area	1,297 sqft
Unfinished Basement	1,297 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	78,408 sqft (1.8 acres)
Garage Area	644 sqft
Driveway	Concrete Driveway
Driveway Area	552 sqft

Exterior Amenities

Porch	Slab
Porch Area	556 sqft
Shed	1 Shed
Shed Area	80 sqft
Gazebo	82 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8081 GALL RD
City	WATERLOO
State	IL
Zip	62298-6015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART W/2 SW & PART NE SW
Legal Range	10W
Legal Township	02S
Legal Section	10
Jurisdiction	MONROE IL
Township / Civil Division	11
Census Block Group	2
Census Block	2044
Census Tract	600402

Owner

Source: Monroe County records · APN 07-10-300-007-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	8081 GALL RD, WATERLOO, IL 62298-6015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2020	Grant Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Prior Transfer Date	May 11, 2020
Prior Transfer Doc	0000407938
Record Updated	Sep 20, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	May 13, 2020
Property Address	8081 GALL RD, WATERLOO, IL 62298-6015
Document Number	0000407938
Instrument Date	May 11, 2020
Instrument	407938
Transaction Type	Transfer
Record Updated	Jun 05, 2020
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8081 GALL RD WATERLOO IL 622986015, WATERLOO, IL 62298-6015

Mortgage

Document Number	407939
Date	May 13, 2020
Instrument	407939

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2050

Interest

Rate	3%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	8081 GALL RD, WATERLOO, IL 62298-6015
Document Number	0000405872
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 03, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8081 GALL RD WATERLOO IL 622986015, WATERLOO, IL 62298-6015

Mortgage

Document Number	0000405872
Date	Jan 27, 2020
Instrument	405872

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$147,850 (+32.53%) Land $18,220 Building $129,630	$443,550 (+32.53%) Land $54,660 Building $388,890
2024	$7,804.00
2022	Additional exemption filed	$111,560 Land $18,220 Building $93,340	$334,680 Land $54,660 Building $280,020

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 71% of Illinois
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
HTC Holding	Fiber	1,000 / 1,000
Wisper ISP	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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