Monroe County property record for 1042 Creekside Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,720 sqft · built 2021 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $196,250 (Dec 2025) |
| Tax Bill | $8,232 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Aug 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-249-079-000 |
| Primary APN | 07-26-249-079-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 1,720 sqft Living Area |
| 1st Floor Area | 1,720 sqft |
| Basement Area | 1,720 sqft |
| Unfinished Basement | 1,720 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Cooling System | Central |
|---|
| Street Address | 1042 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 79 CREEKSIDE ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 79 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 600402 |
Source: Monroe County records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD |
| Aug 16, 2023 | Deed of Trust, Mortgage · VA Mortgage EQUITY PRIME MORTGAGE |
| Jul 10, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK |
| Feb 1, 2021 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Jun 11, 2020 | Warranty Deed, Transfer FIRST AMERICAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2025 · Amount on Record |
| Deed Sale | Dec 12, 2025 · Amount on Record |
| Prior Sale | Feb 1, 2021 · Amount on Record |
| Deed Document Number | 2025440513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 12, 2025 |
| Property Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000440513 |
| Instrument Date | Dec 12, 2025 |
| Instrument | 440513 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | PINNACLE LAND TITLE, PINNACLE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $588.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2637 COLUMBIA LAKES DRIVE # DR3B, DR3B, COLUMBIA, IL 62236-2879 |
| Name | Verified Name |
|---|---|
| Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000440514 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 440514 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000430137 |
|---|---|
| Date | Aug 16, 2023 |
| Instrument | 430137 |
| Name | EQUITY PRIME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000409304 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 409304 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 1, 2021 |
| Property Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000414621 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 414621 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $441.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000414622 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 414622 |
| Name | GUARANTEED RATE INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 2.38% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 11, 2020 |
| Property Address | 1042 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000408613 |
| Instrument Date | Jun 9, 2020 |
| Instrument | 408613 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2020 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| Tax | $67.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 136 WILLIAMSBURG LN WATERLOO IL 622982000, WATERLOO, IL 62298-2000 |
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 | $8,232.00 (+14.02%) | $134,920 (+10.6%) Land $16,520 Building $118,400 | $404,760 (+10.6%) Land $49,560 Building $355,200 |
| 2024 | $7,220.00 (+16.43%) | $121,990 (+26.31%) Land $16,190 Building $105,800 | $365,970 (+26.31%) Land $48,570 Building $317,400 |
| 2022 | $6,201.00 | $96,580 Land $15,230 Building $81,350 | $289,740 Land $45,690 Building $244,050 |
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.
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.
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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