85 Union Rd, Waverly, IL 62692 Property Records

Morgan County property record for 85 Union Rd, Waverly, IL 62692

Property Summary

Property Type	Rural Home
Details	1,410 sqft · built 1976
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Jun 2020)
Tax Bill	$2,694 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-32-200-008`

Property Details

APN / Parcel Number

Primary APN	`19-32-200-008`

Interior

Building Area	1,410 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	435,600 sqft (10 acres)

Location & Zoning

Street Address	85 UNION RD
City	WAVERLY
State	IL
Zip	62692-6053
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	RNG/BLK:8 TWP:13 SECT/LOT:32 NE NE NE DOC-447914 6-16-95 77,000
Legal Range	08W
Legal Township	13N
Legal Section	32
Legal Block	8
Legal Lot Number	32
Jurisdiction	MORGAN IL
Township / Civil Division	WAVERLY NO. 1
Census Block Group	2
Census Block	2077
Census Tract	952300

Owner

85 Union Rd, a rural home, is owned and occupied by an individual who bought it in June 2020.

Source: Morgan County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	85 UNION RD, WAVERLY, IL 62692-6053
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND CU
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2020 · Amount on File
Deed Sale	Jun 26, 2020 · Amount on File
Prior Sale	Apr 3, 2014 · Amount on File
Deed Document Number	2020632134
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	Dec 29, 2022
Property Address	85 UNION RD, WAVERLY, IL 62692-6053
Document Number	0000645440
Instrument Date	Dec 19, 2022
Instrument	645440
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	PRAIRIE LAND TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4339 PINE RD, PALMYRA, IL 62674-6673

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 UNION RD, WAVERLY, IL 62692-6053

Mortgage

Document Number	0000645441
Date	Dec 29, 2022
Instrument	645441

Lender

Name	HEARTLAND CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.87%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	Jun 26, 2020
Property Address	85 UNION RD, WAVERLY, IL 62692-6053
Document Number	0000632134
Instrument Date	Jun 19, 2020
Instrument	632134
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 OLD 36, 1620, JACKSONVILLE, IL 62650-6018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85 UNION RD, WAVERLY, IL 62692-6053

Mortgage

Document Number	0000632135
Date	Jun 26, 2020
Instrument	632135

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 85 Union Rd was $2,694 with a homeowner's exemption, up 5% from the year before.

Source: Morgan County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Morgan County
Unified School District	Waverly Community Unit School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,694.00 (+4.99%)	$43,250 Land $7,280 Building $35,970	$129,750 Land $21,840 Building $107,910
2024	$2,566.00
2023		$38,280 (-) Land $5,910 Building $32,370	$114,840 (-) Land $17,730 Building $97,110
2022	$1,618.00 (-22.17%) Homeowner's exemption	$38,280 Land $5,910 Building $32,370	$114,840 Land $17,730 Building $97,110
2021	$2,079.00

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

FEMA maps place 85 Union Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1985–2015)
Most Recent Claim	Jun 2015 · rainfall accumulation

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

Wildfire risk around 85 Union Rd is low, with less than a 0.01% annual chance of 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 61% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Nextlink.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Union Rd

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