Monroe County property record for 128 Waters Edge Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,741 sqft · built 2018 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,856 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Sep 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-249-015-000 |
| Primary APN | 07-26-249-015-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,741 sqft Living Area |
| 1st Floor Area | 1,741 sqft |
| Basement Area | 1,741 sqft |
| Unfinished Basement | 1,741 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Area | 462 sqft |
| Cooling System | Central |
|---|
| Street Address | 128 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 15 CREEKSIDE ESTATES |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
128 Waters Edge Dr is owned and occupied by an individual.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 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 |
|---|---|
| Feb 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Sep 27, 2017 | Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO |
| Aug 17, 2017 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 128 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000394531 |
|---|---|
| Date | Feb 26, 2018 |
| Instrument | 394531 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 27, 2017 |
| Property Address | 128 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 392140 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 4, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 128 WATERS EDGE DR WATERLOO IL 622980109, WATERLOO, IL 62298-0109 |
| Document Number | 0000392140 |
|---|---|
| Date | Sep 27, 2017 |
| Instrument | 392140 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 17, 2017 |
| Property Address | 128 WATERS EDGE DR, WATERLOO, IL 62298-0109 |
| Document Number | 0000391467 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 391467 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $65.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | PO BOX 863 CAMDENTON MO 650200863, CAMDENTON, MO 65020-0863 |
The 2025 property tax bill for 128 Waters Edge Dr was $6,856.
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 | $6,856.00 Homeowner's exemption | $118,120 Land $17,050 Building $101,070 | $354,360 Land $51,150 Building $303,210 |
| 2024 | $6,856.00 | ||
| 2022 | Additional exemption filed | $93,340 Land $15,570 Building $77,770 | $280,020 Land $46,710 Building $233,310 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 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 128 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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