1035 Creekside Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 1035 Creekside Dr, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,864 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Dec 2024)
Tax Bill	$6,653 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-249-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-26-249-002-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,864 sqft Living Area
1st Floor Area	1,864 sqft
Basement Area	1,864 sqft
Unfinished Basement	1,864 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	10,019 sqft (0.23 acres)
Garage Area	510 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1035 CREEKSIDE DR
City	WATERLOO
State	IL
Zip	62298-0080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 CREEKSIDE ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	26
Legal Subdivision	CREEKSIDE ESTATES
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3028
Census Tract	600402

Owner

Source: Monroe County records · APN 07-26-249-002-000

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	123 S MAIN ST, B, COLUMBIA, IL 62236-2373
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Nov 25, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 13, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jun 07, 2018	Warranty Deed, Transfer VETERANS UNITED HM LNS
May 23, 2017	Warranty Deed, Construction Loan · Construction Mortgage FIRST CNTY BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2024 · Amount on Record
Deed Sale	Dec 16, 2024 · Amount on Record
Prior Sale	Jun 07, 2018 · Amount on Record
Deed Document Number	2024435783
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1035 CREEKSIDE DR, WATERLOO, IL 62298-0080
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000440131
Date	Nov 18, 2025
Instrument	440131

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 01, 2045

Interest

Rate Type	Fixed Rate
Rate	5.99%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1035 CREEKSIDE DR, WATERLOO, IL 62298-0080
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412848
Date	Nov 25, 2020
Instrument	412848

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1035 CREEKSIDE DR, WATERLOO, IL 62298-0080
Document Number	0000405846
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 05, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1035 CREEKSIDE DR WATERLOO IL 622980080, WATERLOO, IL 62298-0080

Mortgage

Document Number	0000405846
Date	Jan 24, 2020
Instrument	405846

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 07, 2018
Property Address	1035 CREEKSIDE DR, WATERLOO, IL 62298-0080
Document Number	0000396321
Instrument Date	May 31, 2018
Instrument	396321
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 CARR AVE SANTA ROSA CA 954042824, SANTA ROSA, CA 95404-2824

Mortgage

Document Number	396322
Date	Jun 07, 2018
Instrument	396322

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 06, 2048

May 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 23, 2017
Property Address	1035 CREEKSIDE DR, WATERLOO, IL 62298-0080
Document Number	0000389977
Instrument Date	May 22, 2017
Instrument	389977
Transaction Type	Construction Loan
Record Updated	Jun 09, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$132.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4001 STATE ROUTE 159 #107 SMITHTON IL 622852508, 107, SMITHTON, IL 62285-2508

Mortgage

Document Number	389978
Date	May 23, 2017
Instrument	389978

Lender

Name	FIRST CNTY BK
Type	Bank
Address	O'FALLON, MO 62269

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	24 Months
Due	May 22, 2019

Interest

Rate Type	Adjustable Rate
Rate	4.55%

Mortgage

Document Number	389979,
Date	May 23, 2017
Instrument	389979

Lender

Name	FIRST CNTY BK
Type	Bank
Address	O'FALLON, IL 62269

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	24 Months
Due	May 22, 2019

Interest

Rate Type	Adjustable Rate
Rate	4.55%

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		$125,830 (+26.67%) Land $16,460 Building $109,370	$377,490 (+26.67%) Land $49,380 Building $328,110
2024	$6,653.00
2022	Additional exemption filed	$99,340 Land $15,200 Building $84,140	$298,020 Land $45,600 Building $252,420

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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