832 Cheshire Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 832 Cheshire Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,736 sqft · built 2008
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,641 (2025)
Deeds & Mortgages	Jun 2021 Construction Loan Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-072-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-072-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Garage Area	483 sqft
Driveway	Concrete Driveway
Driveway Area	646 sqft

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	124 sqft
Patio Area	900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	832 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 72 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	72
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 13, 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	832 CHESHIRE DR, WATERLOO, IL 62298-3358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Construction Mortgage JLB CORP
Sep 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Jan 13, 2018	Deed of Trust, Mortgage · Conventional with PMI GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	832 CHESHIRE DR, WATERLOO, IL 62298-3358
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417545
Date	Jun 1, 2021
Instrument	417545

Lender

Name	JLB CORP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	832 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000398052
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	832 CHESHIRE DR WATERLOO IL 622983358, WATERLOO, IL 62298-3358

Mortgage

Document Number	0000398052
Date	Sep 28, 2018
Instrument	398052

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 27, 2033

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	832 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000394014
Instrument Date	Jan 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	832 CHESHIRE DR WATERLOO IL 622983358, WATERLOO, IL 62298-3358

Mortgage

Document Number	0000394014
Date	Jan 23, 2018
Instrument	394014

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jan 22, 2038

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	$4,641.00 (-2.48%) Homeowner's exemption	$81,820 (-3.08%) Land $15,530 Building $66,290	$245,460 (-3.08%) Land $46,590 Building $198,870
2024	$4,759.00
2022	Additional exemption filed	$84,420 Land $15,410 Building $69,010	$253,260 Land $46,230 Building $207,030

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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