1043 Creekside Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 1043 Creekside Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,544 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Sep 2025)
Tax Bill	$7,173 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-249-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-26-249-004-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	1,544 sqft Building Perimeter
1st Floor Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	10,019 sqft (0.23 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	630 sqft
Porch	Slab
Porch Area	356 sqft
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1043 CREEKSIDE DR
City	WATERLOO
State	IL
Zip	62298-0080
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 4 CREEKSIDE ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	26
Legal Subdivision	CREEKSIDE ESTATES
Legal Lot Number	4
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3028
Census Tract	600402

Owner

1043 Creekside Dr is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	26 DWIGHT ST, WATERLOO, IL 62298-5540
Owner Type	Individual
Vesting	Joint Tenants

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
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Deed Document Number	2025439439
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Sep 29, 2025
Property Address	1043 CREEKSIDE DR, WATERLOO, IL 62298-0080
Document Number	0000439439
Instrument Date	Sep 23, 2025
Instrument	439439
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$532.50
Amount Accuracy	Rounded by County
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	1043 CREEKSIDE DR, WATERLOO, IL 62298-0080

Mortgage

Document Number	0000439440
Date	Sep 29, 2025
Instrument	439440

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.9%

Tax Assessment & Valuation

The 2025 property tax bill for 1043 Creekside Dr was $7,173.

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	$7,173.00 Homeowner's exemption	$123,320 (+3.88%) Land $16,460 Building $106,860	$369,960 (+3.88%) Land $49,380 Building $320,580
2024	$7,173.00 Additional exemption filed	$118,716 Land $16,158 Building $102,558	$356,148 Land $48,474 Building $307,674
2022	Additional exemption filed	$97,090 Land $15,200 Building $81,890	$291,270 Land $45,600 Building $245,670

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 1043 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

Wildfire risk around 1043 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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