816 Cheshire Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 816 Cheshire Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,924 sqft · built 2015
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$234,000 (Jul 2021)
Tax Bill	$6,488 (2025)
Deeds & Mortgages	Jul 2021 Sale & Construction Loan Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-076-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-076-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	1,924 sqft Living Area
1st Floor Area	962 sqft
Basement Area	962 sqft
Unfinished Basement	962 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	12,197 sqft (0.28 acres)
Garage Area	736 sqft
Porch	Porch
Porch Area	36 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	816 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 76 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	76
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4025
Census Tract	600401

Owner

816 Cheshire Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	816 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
Jul 16, 2021	Warranty Deed, Transfer · Construction Mortgage ASSET MUTUAL MORTGAGE
Jan 14, 2020	Warranty Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Jan 14, 2020 · Amount on File
Deed Document Number	2021418512
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 16, 2021
Property Address	816 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000418512
Instrument Date	Jul 16, 2021
Instrument	418512
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 CHESHIRE DR, WATERLOO, IL 62298-3358

Mortgage

Document Number	0000418513
Date	Jul 16, 2021
Instrument	418513

Lender

Name	ASSET MUTUAL MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 14, 2020
Property Address	816 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000405688
Instrument Date	Jan 11, 2020
Instrument	405688
Transaction Type	Transfer
Record Updated	Jan 27, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount on Record
Tax	$337.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 COVINGTON DR WATERLOO IL 622983285, WATERLOO, IL 62298-3285

Tax Assessment & Valuation

The 2025 property tax bill for 816 Cheshire Dr was $6,488, up 3.5% 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	$6,488.00 (+3.49%) Homeowner's exemption	$112,080 Land $16,790 Building $95,290	$336,240 Land $50,370 Building $285,870
2024	$6,269.00
2022	Additional exemption filed	$83,480 Land $15,410 Building $68,070	$250,440 Land $46,230 Building $204,210

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 816 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 816 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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