Monroe County property record for 1046 Creekside Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,872 sqft · built 2021 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $326,000 (Feb 2021) |
| Tax Bill | $5,870 (2025) |
| Deeds & Mortgages | Jun 2021 Transfer Sep 2020 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-249-078-000 |
| Primary APN | 07-26-249-078-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,872 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Cooling System | Central |
|---|
| Street Address | 1046 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 78 CREEKSIDE ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 78 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 600402 |
1046 Creekside Dr is owned and occupied by two individuals who acquired it in May 2021.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2021 | Transfer on Death Deed, Transfer |
| Sep 10, 2020 | Deed of Trust, Mortgage · Construction Mortgage BANK OF BELLEVILLE |
| Feb 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE BANK |
| Jul 15, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2021 · Amount on File |
| Deed Sale | Feb 26, 2021 · Amount on File |
| Prior Sale | Jul 15, 2020 · Amount on File |
| Deed Document Number | 2021415216 |
| Last Transfer Date | May 12, 2021 |
| Transfer Doc | 0000417606 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 3, 2021 |
| Property Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000417606 |
| Instrument Date | May 12, 2021 |
| Instrument | 417606 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000410898 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 410898 |
| Name | BANK OF BELLEVILLE |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 9, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 26, 2021 |
| Property Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000415216 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 415216 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $489.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000415217 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 415217 |
| Name | STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 2.63% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 15, 2020 |
| Property Address | 1046 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000409403 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 409403 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| 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 |
The 2025 property tax bill for 1046 Creekside Dr was $5,870 with a homeowner's exemption, down 2.5% 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 | $5,870.00 (-2.54%) Homeowner's exemption Disabled Person's exemption | $108,670 Land $15,020 Building $93,650 | $326,010 Land $45,060 Building $280,950 |
| 2024 | $6,023.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $101,310 Land $15,230 Building $86,080 | $303,930 Land $45,690 Building $258,240 |
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 1046 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 1046 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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