Monroe County property record for 811 Ridge Rd, Waterloo, IL 62298 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,941 sqft Living Area |
| Lot Size | 25,265 sqft (0.58 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $430,000 (2022) |
| Tax Bill | $9,536.00 (2024) |
| Primary APN | 08-20-317-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Building Area | 2,941 sqft Living Area |
| 1st Floor | 2,941 sqft 1st Floor |
| Basement Area | 2,941 sqft Basement |
| Unfinished Basement | 2,941 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 25,265 sqft (0.58 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 1,240 sqft Driveway |
| Garage Area | 943 sqft Garage |
| Patio Area | 412 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 811 RIDGE RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3163 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 3 EAST RIDGE 9 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 20 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-20-317-003-000
Assessment roll updated August 29, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Revocable Trust |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE |
| Oct 05, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Jun 08, 2022 | Intrafamily Transfer, Transfer |
| Aug 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Oct 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 20, 2022 · Amount on Record |
| Deed Sale | Oct 20, 2022 · Amount on Record |
| Deed Doc Number | 2022426603 |
| Last Transfer Date | Sep 05, 2024 |
| Transfer Doc | 0000436089 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 20, 2026 |
| Property Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Number | 0000442188 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026442188 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Number | 0000442188, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026442188 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000430778 |
|---|---|
| Date | Oct 05, 2023 |
| Instrument | 430778 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 20, 2022 |
| Property Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Number | 0000426603 |
| Instrument Date | Oct 19, 2022 |
| Instrument | 426603 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 629 HARTMAN LN, 629, WATERLOO, IL 62298-1861 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Number | 0000426604 |
|---|---|
| Date | Oct 20, 2022 |
| Instrument | 426604 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 08, 2022 |
| Property Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Number | 0000424626 |
| Instrument Date | Jun 03, 2022 |
| Instrument | 424626 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000410333 |
|---|---|
| Date | Aug 19, 2020 |
| Instrument | 410333 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 811 RIDGE RD, WATERLOO, IL 62298-3163 |
| Document Number | 0000404406 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 811 RIDGE RD WATERLOO IL 622983163, WATERLOO, IL 62298-3163 |
| Document Number | 0000404406 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 404406 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 28, 2039 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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 | $171,410 (+2.57%) Land $18,860 Building $152,550 | $514,230 (+2.57%) Land $56,580 Building $457,650 | |
| 2024 | $9,536.00 | $167,107 (+24.82%) Land $18,144 Building $148,963 | $501,321 (+24.82%) Land $54,432 Building $446,889 |
| 2022 | Additional exemption filed | $133,880 Land $16,670 Building $117,210 | $401,640 Land $50,010 Building $351,630 |
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