1002 Roseberry Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 1002 Roseberry Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 2,910 sqft · built 1993
Lot Size	6 acres (261,360 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,790 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-09-101-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-09-101-004-000`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	2,910 sqft Living Area
1st Floor Area	2,910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	261,360 sqft (6 acres)
Garage Area	858 sqft
Driveway	Asphalt Driveway
Driveway Area	4,046 sqft

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	240 sqft
Patio Area	64 sqft
Gazebo	82 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1002 ROSEBERRY DR
City	WATERLOO
State	IL
Zip	62298-6069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	LOTS 10 & 11 CEDAR LAKE ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	09
Legal Subdivision	CEDAR LAKE ESTATES
Legal Lot Number	10,11
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2041
Census Tract	600402

Owner

Source: Monroe County records · APN 07-09-101-004-000

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	1002 ROSEBERRY DR, WATERLOO, IL 62298-6069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Apr 07, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1002 ROSEBERRY DR, WATERLOO, IL 62298-6069
Transaction Type	Mortgage
Record Updated	Jul 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417826
Date	Jun 14, 2021
Instrument	417826

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1002 ROSEBERRY DR, WATERLOO, IL 62298-6069
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407455
Date	Apr 21, 2020
Instrument	407455

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2035

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1002 ROSEBERRY DR, WATERLOO, IL 62298-6069
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403776
Date	Sep 24, 2019
Instrument	403776

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1002 ROSEBERRY DR, WATERLOO, IL 62298-6069
Document Number	0000395427
Instrument Date	Apr 07, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1002 ROSEBERRY DR WATERLOO IL 622986069, WATERLOO, IL 62298-6069

Mortgage

Document Number	0000395427
Date	Apr 23, 2018
Instrument	395427

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	O'FALLON, IL 62269

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 22, 2028

Interest

Rate Type	Adjustable Rate
Rate	4.6%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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		$170,270 (+5.97%) Land $27,890 Building $142,380	$510,810 (+5.97%) Land $83,670 Building $427,140
2024	$9,790.00
2022	Additional exemption filed	$160,680 Land $27,890 Building $132,790	$482,040 Land $83,670 Building $398,370

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), as of August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
HTC Holding Fiber · DSL	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 19 locations within half a mile of this property.

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