828 Cheshire Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 828 Cheshire Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,754 sqft · built 2017
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Jul 2017)
Tax Bill	$7,393 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage Mar 2017 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-073-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-073-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,754 sqft Living Area
1st Floor Area	1,754 sqft
Basement Area	1,754 sqft
Unfinished Basement	1,754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	12,197 sqft (0.28 acres)
Garage Area	801 sqft
Porch	Porch
Porch Area	54 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	828 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 73 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	73
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4025
Census Tract	600401

Owner

Source: Monroe County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	828 CHESHIRE DR, WATERLOO, IL 62298-3358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Mar 31, 2017	Warranty Deed, Construction Loan · Construction Mortgage BANK OF O'FALLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2017391207
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 31, 2017
Property Address	828 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000391207
Instrument Date	Jul 31, 2017
Instrument	391207
Transaction Type	Transfer
Record Updated	Feb 4, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.50
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	614 MARK DR WATERLOO IL 622981487, WATERLOO, IL 62298-1487

Mortgage

Document Number	391208
Date	Jul 31, 2017
Instrument	391208

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

March 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 31, 2017
Property Address	828 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000389044
Instrument Date	Mar 31, 2017
Instrument	389044
Transaction Type	Construction Loan
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$54.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1124 VALMEYER RD COLUMBIA IL 622364126, COLUMBIA, IL 62236-4126

Mortgage

Document Number	389045
Date	Mar 31, 2017
Instrument	389045

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O'FALLON, MO 62269-8626

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 30, 2018

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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	$7,393.00 (+10.91%) Homeowner's exemption	$126,020 (+26.42%) Land $16,790 Building $109,230	$378,060 (+26.42%) Land $50,370 Building $327,690
2024	$6,666.00
2022	Additional exemption filed	$99,680 Land $15,410 Building $84,270	$299,040 Land $46,230 Building $252,810

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

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

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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