1018 Creekside Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 1018 Creekside Dr, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,794 sqft
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$397,000 (Jun 2023)
Tax Bill	$7,508 (2024)
Deeds & Mortgages	Jun 2023 Sale & Construction Loan Apr 2018 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-265-065-000`

Property Details

APN / Parcel Number

Primary APN	`07-26-265-065-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,794 sqft
Basement Area	1,794 sqft
Unfinished Basement	1,794 sqft

Exterior

Lot Area	10,454 sqft (0.24 acres)
Garage Area	759 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1018 CREEKSIDE DR
City	WATERLOO
State	IL
Zip	62298-0107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 65 CREEKSIDE ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	26
Legal Subdivision	CREEKSIDE ESTATES
Legal Lot Number	65
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3029
Census Tract	600402

Owner

Source: Monroe County records · APN 07-26-265-065-000

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	20 VICTOR ST, WATERLOO, IL 62298-5534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 01, 2023	Warranty Deed, Construction Loan · Construction Mortgage GUARANTEED RATE INC
Apr 26, 2018	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI CENTRAL BK/ST LOUIS
Sep 10, 2019	Deed of Trust, Mortgage · Conventional with PMI CENTRAL BK/ST LOUIS
Feb 05, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 2023 · Amount on Record
Deed Sale	Jun 01, 2023 · Amount on Record
Prior Sale	Feb 05, 2019 · Amount on Record
Deed Document Number	2023429212
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 01, 2023
Property Address	1018 CREEKSIDE DR, WATERLOO, IL 62298-0107
Document Number	0000429212
Instrument Date	May 31, 2023
Instrument	429212
Transaction Type	Construction Loan
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$595.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	804 WELLER CT, WATERLOO, IL 62298

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1018 CREEKSIDE DR, WATERLOO, IL 62298-0107

Mortgage

Document Number	0000429213
Date	Jun 01, 2023
Instrument	429213

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

Interest

Rate Type	Fixed Rate
Rate	6.18%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1018 CREEKSIDE DR, WATERLOO, IL 62298-0107
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395481
Date	Apr 26, 2018
Instrument	395481

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 24, 2019

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1018 CREEKSIDE DR, WATERLOO, IL 62298-0107
Document Number	0000409833
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1018 CREEKSIDE DR WATERLOO IL 622980107, WATERLOO, IL 62298-0107

Mortgage

Document Number	0000409833
Date	Jul 30, 2020
Instrument	409833

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1018 CREEKSIDE DR, WATERLOO, IL 62298-0107
Document Number	0000403626
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1018 CREEKSIDE DR WATERLOO IL 622980107, WATERLOO, IL 62298-0107

Mortgage

Document Number	0000403626
Date	Sep 17, 2019
Instrument	403626

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

February 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 05, 2019
Property Address	1018 CREEKSIDE DR, WATERLOO, IL 62298-0107
Document Number	0000399824
Instrument Date	Feb 01, 2019
Instrument	399824
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 25, 2019
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1018 CREEKSIDE DR WATERLOO IL 622980107, WATERLOO, IL 62298-0107

Mortgage

Document Number	399825
Date	Feb 05, 2019
Instrument	399825

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 04, 2049

Interest

Rate Type	Fixed Rate

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
Municipality	Waterloo City
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		$141,020 (+6.15%) Land $16,520 Building $124,500	$423,060 (+6.15%) Land $49,560 Building $373,500
2024	$7,508.00	$132,847 (+20.3%) Land $16,190 Building $116,657	$398,541 (+20.3%) Land $48,570 Building $349,971
2022	Additional exemption filed	$110,430 Land $15,230 Building $95,200	$331,290 Land $45,690 Building $285,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 218 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
HTC Holding	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
Verizon	Fixed Wireless	300 / 20
HTC Holding	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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