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Single Family ResidenceResidential
$496,777$378 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $15,000 on Dec 21, 2017

3604 ARBOR RIDGE DR

WATERLOO, IL 62298
0
Baths
1,314 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2.92 ac
Lot SizeThe size of the land the home sits on, from county records.
2019
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$497K
$455K low$538K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$15,000 · Dec 21, 2017
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$113,802
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$91,042
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.85%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$382,975
FIRST NATIONAL BANK OF WATERLOO · 3% · recorded Jun 22, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,593 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$178,218 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,974
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$162,244
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$161,987
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$534,654

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySt. Clair
Lot (acres)The size of the land the home sits on, from county records.2.92
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 1,526 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 4.7 mi
M
Waterloo Junior High SchoolB+
Middle · Grades 6–8 · 4.9 mi
H
Waterloo High SchoolB-
High · Grades 9–12 · 5.8 mi

District: Waterloo Community Unit School District 5

Neighborhood · ZIP 62298These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.169

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,127
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.124 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,202
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,724
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3604 Arbor Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in St. Clair County
  • Costs more per square foot than 98% of homes in Waterloo 62298
  • Has a bigger lot than 93% of homes in St. Clair County
  • Among the newest homes in St. Clair County

What homes are worth in Waterloo 62298

Each bar is how many homes fall in that price range. The marker is this home.

This home
$109K$670K

This home is worth more than 90% of homes in Waterloo 62298.

How it measures up in Waterloo 62298

The dot is this home. The mark in the middle is the typical home in Waterloo 62298.

Estimated value$496,777
CheaperTypical $308,508Pricier

Pricier than 90% of homes nearby

Price per ft²$378
CheaperTypical $207Pricier

Pricier than 98% of homes nearby

Living area1,314 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 38% of homes nearby

Lot size2.92 ac
SmallerTypical 0.43 acBigger

Bigger than 72% of homes nearby

Year built2019
OlderTypical 1991Newer

Newer than 97% of homes nearby

How 3604 Arbor Ridge Dr ranks against every home in each area.
MeasureThis homeWaterloo 62298St. Clair County
Estimated valuepricier than$496,77790% of homes96% of homes
Price per ft²pricier than$37898% of homes97% of homes
Living areabigger than1,314 ft²38% of homes62% of homes
Lot sizebigger than2.92 ac72% of homes93% of homes
Year builtnewer than201997% of homesalmost all homes

About 3604 Arbor Ridge Dr

How much is 3604 Arbor Ridge Dr, Waterloo, IL worth?

The TopHap Estimate for 3604 Arbor Ridge Dr, Waterloo, IL is $496,777 as of Jul 14, 2026. The likely range is $455,369 to $538,185. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3604 Arbor Ridge Dr, Waterloo, IL last sell?

3604 Arbor Ridge Dr, Waterloo, IL last sold on Dec 21, 2017 for $15,000, according to the county's recorded deed.

How big is 3604 Arbor Ridge Dr, Waterloo, IL?

3604 Arbor Ridge Dr, Waterloo, IL has 1,314 square feet of living space and a 2.92-acre lot.

When was 3604 Arbor Ridge Dr, Waterloo, IL built?

3604 Arbor Ridge Dr, Waterloo, IL was built in 2019, making it 7 years old. The building has 2 stories.

What schools serve 3604 Arbor Ridge Dr, Waterloo, IL?

3604 Arbor Ridge Dr, Waterloo, IL is assigned to W. J. Zahnow Elementary School (elementary); Waterloo Junior High School (middle), rated B+; Waterloo High School (high), rated B-. All sit in Waterloo Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3604 Arbor Ridge Dr, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,136 homes in Waterloo 62298, it is worth more than 90% of them ($496,777 against a typical $308,508), its price per square foot is higher than 98% of them ($378 against a typical $207), it is bigger than 38% of them (1,314 ft² against a typical 1,500 ft²), its lot is bigger than 72% of them (2.92 ac against a typical 0.43 ac) and it is newer than 97% of them (2019 against a typical 1991). Measured against all of St. Clair County, it is worth more than 96% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3604 Arbor Ridge Dr, Waterloo, IL?

The 2024 property tax bill for 3604 Arbor Ridge Dr, Waterloo, IL was $10,593. The county assessed it at $178,218.

Closest homes

More homes in Waterloo 62298

Assigned schools

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