811 Olivers Way, Waterloo, IL 62298 Property Records

Monroe County property record for 811 Olivers Way, Waterloo, IL 62298

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Mar 2025)
Tax Bill	$1,546 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-133-040-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-133-040-000`

Exterior

Lot Area	42,253 sqft (0.97 acres)

Location & Zoning

Street Address	811 OLIVERS WAY
City	WATERLOO
State	IL
Zip	62298-3174
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	WR1
Legal Description	LOT 40 REMLOK PHASE 2
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	REMLOK
Legal Lot Number	40
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4039
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 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 Record
Mailing Address	4526 RINGER RD, SAINT LOUIS, MO 63129-1725
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage CHESTER NATIONAL BANK
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2025 · Amount on Record
Deed Sale	Mar 28, 2025 · Amount on Record
Prior Sale	May 23, 2022 · Amount on Record
Deed Document Number	2025436960
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 21, 2026
Property Address	811 OLIVERS WAY, WATERLOO, IL 62298-3174
Document Number	0000442203
Instrument Date	Apr 10, 2026
Instrument	2026442203
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 OLIVERS WAY, WATERLOO, IL 62298-3174

Mortgage

Document Number	0000442203,
Date	Apr 21, 2026
Instrument	2026442203

Lender

Name	CHESTER NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	4.5%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	811 OLIVERS WAY, WATERLOO, IL 62298-3174
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407304
Date	Apr 14, 2020
Instrument	407304

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 23, 2022
Property Address	811 OLIVERS WAY, WATERLOO, IL 62298-3174
Document Number	0000424397
Map Reference	DOC 291073
Instrument Date	May 23, 2022
Instrument	424397
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 OSTERHAGE DR, WATERLOO, IL 62298-1782

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021

Mortgage

Document Number	0000424398
Date	May 23, 2022
Instrument	424398

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 18, 2021
Property Address	811 OLIVERS WAY, WATERLOO, IL 62298-3174
Document Number	0000419146
Instrument Date	Aug 17, 2021
Instrument	419146
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 OSTERHAGE DR, WATERLOO, IL 62298-1782

Mortgage

Document Number	0000419147
Date	Aug 18, 2021
Instrument	419147

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,546.00	$25,350 (+3.91%) Land $25,350	$76,050 (+3.91%) Land $76,050
2024	$1,546.00	$24,396 (+6.91%) Land $24,396	$73,188 (+6.91%) Land $73,188
2022		$22,820 Land $22,820	$68,460 Land $68,460

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

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	5 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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