8204 Joy Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 8204 Joy Ln, Waterloo, IL 62298

Property Summary

Property Type	General Agricultural/Rural
Lot Size	2.59 acres (112,820 sqft)
Owner	Company Name on Record
Tax Bill	$74 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-100-010-000`

Property Details

APN / Parcel Number

Primary APN	`07-11-100-010-000`

Exterior

Lot Area	112,820 sqft (2.59 acres)

Location & Zoning

Street Address	8204 JOY LN
City	WATERLOO
State	IL
Zip	62298-5420
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	MA2
Legal Description	PART LOTS 9 & 10
Legal Range	10W
Legal Township	02S
Legal Section	11
Legal Subdivision	HEATHER HEIGHTS
Legal Lot Number	9-10
Jurisdiction	MONROE IL
Township / Civil Division	11
Census Block Group	2
Census Block	2046
Census Tract	600402

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	Company Name on Record
Mailing Address	8205 JOY LN, WATERLOO, IL 62298-5420
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Jun 23, 2017	Deed of Trust, Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	8204 JOY LN, WATERLOO, IL 62298-5420
Document Number	0000405838
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	ACCENT TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	8205 JOY LN WATERLOO IL 622985420, WATERLOO, IL 62298-5420

Mortgage

Document Number	0000405838
Date	Jan 24, 2020
Instrument	405838

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.83%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	8204 JOY LN, WATERLOO, IL 62298-5420
Document Number	0000390735
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	ACCENT TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	8205 JOY LN WATERLOO IL 622985420, WATERLOO, IL 62298-5420

Mortgage

Document Number	0000390735
Date	Jul 3, 2017
Instrument	390735

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$74.00 (+12.12%)	$1,289 (+48.33%) Land $1,289	$3,867 (+11.7%) Land $3,867
2024	$66.00		$3,462 Land $3,462
2022		$869 Land $869

Assessed value is set for property tax purposes, not a market price estimate; it is 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	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

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 94% of the US · lower than 65% 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 9 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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