Monroe County property record for 904 Ridge Rd, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2013 |
| Square Footage | 2,014 sqft Living Area |
| Lot Size | 72,745 sqft (1.67 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $541,000 (2023) |
| Tax Bill | $8,978.00 (2024) |
| Primary APN | 08-20-401-007-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 2,014 sqft Living Area |
| 1st Floor | 2,014 sqft 1st Floor |
| Basement Area | 2,014 sqft Basement |
| Unfinished Basement | 2,014 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 72,745 sqft (1.67 acres) |
| Garage Area | 975 sqft Garage |
| Patio Area | 552 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 204 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 904 RIDGE RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3186 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 7 10TH ADDN TO EAST RIDGE AMENDED |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 20 |
| Legal Subdivision | EAST RIDGE |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-20-401-007-000
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 | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jan 15, 2026 | Intrafamily Transfer, Transfer |
| Jun 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) FIRST NAT'L BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 13, 2023 · Amount on Record |
| Deed Sale | Jun 13, 2023 · Amount on Record |
| Deed Doc Number | 2023429374 |
| Last Transfer Date | Jul 31, 2024 |
| Transfer Doc | 0000440903 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 15, 2026 |
| Property Address | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Document Number | 0000440903 |
| Map Reference | DOC 358375 |
| Instrument Date | Jul 31, 2024 |
| Instrument | 440903 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 13, 2023 |
| Property Address | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Document Number | 0000429374 |
| Map Reference | DOC 358375 |
| Instrument Date | Jun 12, 2023 |
| Instrument | 429374 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2023 |
| Title Company | PINNACLE LAND TITLE, PINNACLE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $811.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Document Number | 0000429375 |
|---|---|
| Date | Jun 13, 2023 |
| Instrument | 429375 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000428676 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 428676 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 904 RIDGE RD, WATERLOO, IL 62298-3186 |
| Document Number | 0000411355 |
| Instrument Date | Sep 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 904 RIDGE RD WATERLOO IL 622983186, WATERLOO, IL 62298-3186 |
| Document Number | 0000411355 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 411355 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 28, 2035 |
| Rate | 2.25% |
|---|
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 | $166,540 (+5.61%) Land $26,190 Building $140,350 | $499,620 (+5.61%) Land $78,570 Building $421,050 | |
| 2024 | $8,978.00 Additional exemption filed | $157,687 (+18.76%) Land $24,069 Building $133,618 | $473,061 (+18.76%) Land $72,207 Building $400,854 |
| 2022 | Additional exemption filed | $132,780 (+11.56%) Land $21,340 Building $111,440 | $398,340 (+11.56%) Land $64,020 Building $334,320 |
| 2021 | Additional exemption filed | $119,020 Land $18,430 Building $100,590 | $357,060 Land $55,290 Building $301,770 |
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