1010 Driftwood Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1010 Driftwood Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,412 sqft · built 2005
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,684 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-35-265-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-35-265-003-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,412 sqft Living Area
1st Floor Area	1,412 sqft
Basement Area	1,412 sqft
Unfinished Basement	1,412 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	558 sqft

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1010 DRIFTWOOD LN
City	WATERLOO
State	IL
Zip	62298-2781
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 3 SILVERCREEK CROSSING
Legal Range	10W
Legal Township	02S
Legal Section	35
Legal Subdivision	SILVERCREEK CROSSING
Legal Lot Number	3
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

Owner

1010 Driftwood Ln is owned and occupied by two individuals.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1010 DRIFTWOOD LN, WATERLOO, IL 62298-2781
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 31, 2017
Property Address	1010 DRIFTWOOD LN, WATERLOO, IL 62298-2781
Document Number	0000391699
Instrument Date	Aug 31, 2017
Instrument	391699
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1010 DRIFTWOOD LN WATERLOO IL 622982781, WATERLOO, IL 62298-2781

Mortgage

Document Number	391700
Date	Aug 31, 2017
Instrument	391700

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	3701 REGENT BLVD # 180, IRVING, TX 75063-2312

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Driftwood Ln was $5,684, up 5.7% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,684.00 (+5.67%) Homeowner's exemption	$98,910 Land $16,310 Building $82,600	$296,730 Land $48,930 Building $247,800
2024	$5,379.00
2022	Additional exemption filed	$79,370 Land $15,120 Building $64,250	$238,110 Land $45,360 Building $192,750

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 1010 Driftwood Ln 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, 2025 · 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 Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

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 1010 Driftwood Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20