812 Cheshire Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 812 Cheshire Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,538 sqft · built 2010
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (May 2019)
Tax Bill	$6,780 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-077-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-077-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,538 sqft Building Perimeter
1st Floor Area	1,538 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Mixed
Garage Area	754 sqft
Driveway	Concrete Driveway
Driveway Area	780 sqft
Porch	Slab
Porch Area	36 sqft
Patio Area	795 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	812 CHESHIRE DR
City	WATERLOO
State	IL
Zip	62298-3358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 77 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	77
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4025
Census Tract	600401

Owner

812 Cheshire Dr is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	812 CHESHIRE DR, WATERLOO, IL 62298-3358
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 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Deed Document Number	2019401731
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	812 CHESHIRE DR, WATERLOO, IL 62298-3358
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407097
Date	Apr 6, 2020
Instrument	407097

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 31, 2019
Property Address	812 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000401731
Instrument Date	May 31, 2019
Instrument	401731
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
Amount Accuracy	Calculated from Transfer Tax
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	812 CHESHIRE DR, WATERLOO, IL 62298-3358

Mortgage

Document Number	0000401732
Date	May 31, 2019
Instrument	401732

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 812 Cheshire Dr was $6,780, up 8.3% from the year before.

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	$6,780.00 (+8.32%) Homeowner's exemption	$116,870 Land $16,790 Building $100,080	$350,610 Land $50,370 Building $300,240
2024	$6,259.00
2022	Additional exemption filed	$84,750 Land $15,410 Building $69,340	$254,250 Land $46,230 Building $208,020

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 812 Cheshire Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 812 Cheshire Dr is low, with less than 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 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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