Monroe County property record for 124 Waters Edge Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,991 sqft |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Mar 2019) |
| Tax Bill | $8,186 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Mar 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-249-016-000 |
| Primary APN | 07-26-249-016-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,991 sqft Living Area |
| 1st Floor Area | 1,991 sqft |
| Basement Area | 1,991 sqft |
| Unfinished Basement | 1,991 sqft |
| Lot Area | 13,068 sqft (0.3 acres) |
|---|---|
| Garage Area | 704 sqft |
| Cooling System | Central |
|---|
| Street Address | 124 WATERS EDGE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-0109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 16 CREEKSIDE ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 16 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
124 Waters Edge Dr is owned and occupied by two individuals who bought it in March 2019.
Source: Monroe County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 124 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| 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 |
|---|---|
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI FIRST NAT'L BK/WATERLOO |
| Mar 25, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI GUARANTEED RATE |
| Jul 20, 2018 | Trustee's Deed, Construction Loan · Line of Credit BANK OF EDWARDSVILLE |
| Jun 19, 2018 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2019 · Amount on File |
| Deed Sale | Mar 25, 2019 · Amount on File |
| Prior Sale | Jun 19, 2018 · Amount on File |
| Deed Document Number | 2019400524 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 124 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Document Number | 0000410956 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 124 WATERS EDGE DR WATERLOO IL 622980109, WATERLOO, IL 62298-0109 |
| Document Number | 0000410956 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 410956 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | DUPO, IL 62239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Rate | 3.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 25, 2019 |
| Property Address | 124 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Document Number | 0000400524 |
| Instrument Date | Mar 22, 2019 |
| Instrument | 400524 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 124 WATERS EDGE DR WATERLOO IL 622980109, WATERLOO, IL 62298-0109 |
| Document Number | 400525 |
|---|---|
| Date | Mar 25, 2019 |
| Instrument | 400525 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.99% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 20, 2018 |
| Property Address | 124 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 396988 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 136 WILLIAMSBURG LN WATERLOO IL 622982000, WATERLOO, IL 62298-2000 |
| Document Number | 0000396988 |
|---|---|
| Date | Jul 20, 2018 |
| Instrument | 396988 |
| Name | BANK OF EDWARDSVILLE |
|---|---|
| Type | Bank |
| Address | GLEN CARBON, IL 62034 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 19, 2018 |
| Property Address | 124 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Document Number | 0000396494 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 396494 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $66.75 |
| 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 124 Waters Edge Dr was $8,186, up 10.5% 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 | $8,186.00 (+10.52%) | $133,160 Land $16,950 Building $116,210 | $399,480 Land $50,850 Building $348,630 |
| 2024 | $7,407.00 | ||
| 2022 | $104,870 Land $15,510 Building $89,360 | $314,610 Land $46,530 Building $268,080 |
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 124 Waters Edge 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 124 Waters Edge Dr is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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 68 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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