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8173 Andy Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 8173 Andy Rd, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 4 ba · 2,254 sqft · built 2008
Lot Size2.97 acres (129,373 sqft)
Owner2 Individual Names on File
Last Sale$446,000 (Mar 2024)
Tax Bill$7,992 (2024)
Deeds & MortgagesOct 2025 Construction Loan
Mar 2024 Sale & Construction Loan
Flood ZoneZone X (minimal risk)
APN07-09-301-019-000

Property Details

APN / Parcel Number

Primary APN07-09-301-019-000

Interior

Bedrooms2 Beds
Full Baths4 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area2,254 sqft Living Area
1st Floor Area2,254 sqft
Basement Area2,254 sqft
Unfinished Basement2,254 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Construction TypeFrame
Lot Area129,373 sqft (2.97 acres)
Garage Area700 sqft
PorchSlab
Porch Area256 sqft
Patio Area256 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address8173 ANDY RD
CityWATERLOO
StateIL
Zip62298-6075
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 19 CEDAR LAKE ESTATES 1ST RESUB
Legal Range10W
Legal Township02S
Legal Section09
Legal SubdivisionCEDAR LAKE ESTATES
Legal Lot Number19
JurisdictionMONROE IL
Township / Civil Division14
Census Block Group2
Census Block2005
Census Tract600402

Owner

Source: Monroe County records · APN 07-09-301-019-000

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 Record2 Individual Names on File
Mailing Address8173 ANDY RD, WATERLOO, IL 62298-6075
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2025Deed of Trust, Mortgage · Construction Mortgage
FAIRWAY INDEPENDENT MTG CORP
Mar 25, 2024Warranty Deed, Construction Loan · Construction Mortgage
FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 25, 2024 · Amount on Record
Deed SaleMar 25, 2024 · Amount on Record
Deed Document Number2024432544
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address8173 ANDY RD, WATERLOO, IL 62298-6075
Transaction TypeMortgage
Record UpdatedNov 05, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000439746
DateOct 22, 2025
Instrument439746
Lender
NameFAIRWAY INDEPENDENT MTG CORP
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2055
Interest
Rate TypeFixed Rate
Rate6.13%

March 2024: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateMar 25, 2024
Property Address8173 ANDY RD, WATERLOO, IL 62298-6075
Document Number0000432544
Instrument DateMar 01, 2024
Instrument432544
Transaction TypeConstruction Loan
Record UpdatedApr 24, 2024
Title CompanyACCENT TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$669.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8173 ANDY RD, WATERLOO, IL 62298-6075
InvestorPossibly a Property Investor

Mortgage

Document Number0000432545
DateMar 25, 2024
Instrument432545
Lender
NameFAIRWAY INDEPENDENT MTG CORP
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054
Interest
Rate TypeFixed Rate
Rate6.99%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
Unified School DistrictWaterloo 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.

YearTax BillAssessed ValueAssessed Market Value
2025$139,960 (+12.09%) Land $18,100 Building $121,860$419,880 (+12.09%) Land $54,300 Building $365,580
2024$7,992.00
2022Additional exemption filed$124,860 Land $18,100 Building $106,760$374,580 Land $54,300 Building $320,280

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims263 (1993–2019)
Most Recent ClaimJun 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 RiskLow
above 7% of the US · above 42% of Illinois
Wildfire LikelihoodAbout 1 in 5,882 per year
ExposureDirect
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 20 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
HTC HoldingFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
HTC HoldingDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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