Monroe County property record for 1004 W Fallen Lake Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,043 sqft · built 2005 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Mar 2018) |
| Tax Bill | $7,831 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-217-072-000 |
| Primary APN | 07-26-217-072-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,043 sqft Living Area |
| 1st Floor Area | 2,043 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Area | 864 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,085 sqft |
| Porch | Slab |
| Porch Area | 280 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1004 W FALLEN LAKE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1282 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | PART LOT 72 WESTVIEW ACRES PHASE VI |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WESTVIEW ACRES |
| Legal Lot Number | 72 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
1004 W Fallen Lake Dr is owned and occupied by two individuals who bought it in March 2018.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1004 W FALLEN LAKE DR, WATERLOO, IL 62298-1282 |
| 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.
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional with PMI DIETERICH BK NA |
| Mar 23, 2018 | Deed, Transfer · Conventional Mortgage FRB FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2018 · Amount on File |
| Deed Sale | Mar 23, 2018 · Amount on File |
| Deed Document Number | 2018394993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1004 W FALLEN LAKE DR, WATERLOO, IL 62298-1282 |
| Document Number | 0000412817 |
| Instrument Date | Nov 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2020 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1004 W FALLEN LAKE DR WATERLOO IL 622981282, WATERLOO, IL 62298-1282 |
| Document Number | 0000412817 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 412817 |
| Name | DIETERICH BK NA |
|---|---|
| Address | EFFINGHAM, IL 62401 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 23, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 23, 2018 |
| Property Address | 1004 W FALLEN LAKE DR, WATERLOO, IL 62298-1282 |
| Document Number | 0000394993 |
| Map Reference | PE 2-168B DOC 287375 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 394993 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1004 W FALLEN LAKE DR, WATERLOO, IL 62298-1282 |
| Document Number | 0000394994 |
|---|---|
| Date | Mar 23, 2018 |
| Instrument | 394994 |
| Name | FRB FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1004 W Fallen Lake Dr was $7,831, up 6% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,831.00 (+5.97%) Homeowner's exemption | $134,090 Land $18,030 Building $116,060 | $402,270 Land $54,090 Building $348,180 |
| 2024 | $7,390.00 | ||
| 2022 | Additional exemption filed | $106,300 Land $16,160 Building $90,140 | $318,900 Land $48,480 Building $270,420 |
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.
FEMA maps place 1004 W Fallen Lake Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1004 W Fallen Lake Dr 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 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO serves 10,190 people · EPA ID IL1330300 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 30 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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