Monroe County property record for 1038 Creekside Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,679 sqft · built 2020 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (May 2024) |
| Tax Bill | $7,466 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Jun 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-249-080-000 |
| Primary APN | 07-26-249-080-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,679 sqft Living Area |
| 1st Floor Area | 1,679 sqft |
| Basement Area | 1,679 sqft |
| Unfinished Basement | 1,679 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Area | 753 sqft |
| Cooling System | Central |
|---|
| Street Address | 1038 CREEKSIDE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-0107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 80 CREEKSIDE ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 80 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 600402 |
1038 Creekside Dr is owned and occupied by two individuals who bought it in May 2024.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1038 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| 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 |
|---|---|
| Feb 25, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK |
| Jun 24, 2020 | Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Jan 10, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2024 · Amount on File |
| Deed Sale | May 2, 2024 · Amount on File |
| Prior Sale | Jun 24, 2020 · Amount on File |
| Deed Document Number | 2024433000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1038 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000406332 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 406332 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 24, 2020 |
| Property Address | 1038 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000408973 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 408973 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $429.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1038 CREEKSIDE DR WATERLOO IL 622980107, WATERLOO, IL 62298-0107 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 10, 2020 |
| Property Address | 1038 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000405633 |
| Instrument Date | Jan 7, 2020 |
| Instrument | 405633 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Tax | $66.75 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 136 WILLIAMSBURG LN WATERLOO IL 622982000, WATERLOO, IL 62298-2000 |
The 2025 property tax bill for 1038 Creekside Dr was $7,466, up 10.9% 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 | $7,466.00 (+10.85%) Homeowner's exemption | $128,110 (+6.94%) Land $16,520 Building $111,590 | $384,330 (+6.94%) Land $49,560 Building $334,770 |
| 2024 | $6,735.00 | $119,793 Land $16,190 Building $103,603 | $359,379 Land $48,570 Building $310,809 |
| 2022 | Additional exemption filed | $94,780 Land $15,230 Building $79,550 | $284,340 Land $45,690 Building $238,650 |
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 1038 Creekside 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 1038 Creekside 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 94% of the US · lower than 61% 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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