Monroe County property record for 1050 Creekside Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,392 sqft · built 2022 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (Feb 2023) |
| Deeds & Mortgages | Sep 2025 Mortgage Feb 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-249-077-000 |
| Primary APN | 07-26-249-077-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Building Area | 2,392 sqft Living Area |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Cooling System | Central |
|---|
| Street Address | 1050 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 77 CREEKSIDE ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 77 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 600402 |
Source: Monroe County records, as of July 20, 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 | 178 SKYLINE DR, COLUMBIA, IL 62236-2633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 23, 2025 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC |
| Feb 15, 2023 | Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL CO |
| Mar 15, 2022 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Mar 15, 2022 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2023 · Amount on Record |
| Deed Sale | Feb 15, 2023 · Amount on Record |
| Prior Sale | Mar 15, 2022 · Amount on Record |
| Deed Document Number | 2023427939 |
| Prior Transfer Date | Mar 11, 2022 |
| Prior Transfer Doc | 0000423204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000439371 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 439371 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 15, 2023 |
| Property Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000427939 |
| Map Reference | DOC 310655 |
| Instrument Date | Feb 13, 2023 |
| Instrument | 427939 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $532.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000427940 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 427940 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.88% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 15, 2022 |
| Property Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000423205 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 423205 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 8, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $532.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 104 S COMMERCIAL ST, 104, ALBERS, IL 62215-1395 |
| Name | Verified Name |
|---|---|
| Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000423206 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 423206 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 15, 2022 |
| Property Address | 1050 CREEKSIDE DR, WATERLOO, IL 62298-0107 |
| Document Number | 0000423204 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 423204 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 N LINDBERGH BLVD STE 330, 401, SAINT LOUIS, MO 63141-7839 |
| Name | Verified Name |
|---|---|
| Address | 104 S COMMERCIAL ST, ALBERS, IL 62215-1395 |
Source: Monroe County assessment roll, as of August 29, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $125,960 (+33,047.37%) Land $16,650 Building $109,310 | $377,880 (+33,047.37%) Land $49,950 Building $327,930 |
| 2022 | $380 Land $380 | $1,140 Land $1,140 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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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