Monroe County property record for 838 Ridge Rd, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,936 sqft Living Area |
| Lot Size | 32,234 sqft (0.74 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $765,000 (2023) |
| Tax Bill | $12,607.00 (2024) |
| Primary APN | 08-20-317-019-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,936 sqft Living Area |
| 1st Floor | 2,936 sqft 1st Floor |
| Basement Area | 2,936 sqft Basement |
| Unfinished Basement | 2,936 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Area | 1,191 sqft Garage |
| Cooling System | Central Cooling |
|---|
| Street Address | 838 RIDGE RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3164 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 19 EAST RIDGE 9 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 20 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-20-317-019-000
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU |
| Nov 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Aug 22, 2019 | Deed of Trust, Mortgage · Line of Credit SCOTT CU |
| Jul 05, 2019 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Jul 05, 2019 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Jun 12, 2018 | Trustee's Deed, Construction Loan · Building or Construction Mortgage STATE BK/WATERLOO |
| Aug 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) STATE BK/WATERLOO |
| Jul 13, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 13, 2023 · Amount on Record |
| Deed Sale | Nov 13, 2023 · Amount on Record |
| Deed Doc Number | 2023431139 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 13, 2023 |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000431139 |
| Instrument Date | Nov 10, 2023 |
| Instrument | 431139 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,147.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000431140 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 431140 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 8.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 12.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000412168 |
|---|---|
| Date | Nov 04, 2020 |
| Instrument | 412168 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000403235 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 09, 2019 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 838 RIDGE RD WATERLOO IL 622983164, WATERLOO, IL 62298-3164 |
| Document Number | 0000403235 |
|---|---|
| Date | Aug 28, 2019 |
| Instrument | 403235 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Address | EDWARDSVILLE, IL 62025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 27, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000403055 |
| Instrument Date | Jul 05, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 838 RIDGE RD WATERLOO IL 622983164, WATERLOO, IL 62298-3164 |
| Document Number | 0000403055 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 403055 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 15, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000402494 |
| Instrument Date | Jul 05, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 838 RIDGE RD WATERLOO IL 622983164, WATERLOO, IL 62298-3164 |
| Document Number | 0000402494 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 402494 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 15, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 12, 2018 |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Instrument Date | May 29, 2018 |
| Instrument | 396381 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 25, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 160 LUCYS LNDG WATERLOO IL 62298, WATERLOO, IL 62298 |
| Document Number | 0000396381 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 396381 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 11, 2019 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 11, 2017 |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000391382 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 391382 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2017 |
| Title Company | MON-CLAIR TITLE COMPANY, MON-CLAIR TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 812 FOXGLOVE DR WATERLOO IL 622983176, WATERLOO, IL 62298-3176 |
| Document Number | 391383 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 391383 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 10, 2032 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 13, 2017 |
| Property Address | 838 RIDGE RD, WATERLOO, IL 62298-3164 |
| Document Number | 0000390867 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 390867 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4700 FISCHER RD FULTS IL 622441030, FULTS, IL 62244-1030 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $234,850 (+33.56%) Land $19,990 Building $214,860 | $704,550 (+33.56%) Land $59,970 Building $644,580 | |
| 2024 | $12,607.00 | ||
| 2022 | $175,840 Land $17,410 Building $158,430 | $527,520 Land $52,230 Building $475,290 |
838 Ridge Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 34th in Illinois |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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