1313 Cody Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 1313 Cody Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,644 sqft · built 2003
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,427 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-01-133-035-000`

Property Details

APN / Parcel Number

Primary APN	`10-01-133-035-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,644 sqft Living Area
1st Floor Area	1,644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	12,197 sqft (0.28 acres)
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft
Porch	Slab
Porch Area	192 sqft
Patio Area	441 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1313 CODY DR
City	WATERLOO
State	IL
Zip	62298-2775
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 35 STONEFIELD
Legal Range	10W
Legal Township	03S
Legal Section	01
Legal Subdivision	STONEFIELD
Legal Lot Number	35
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	4
Census Block	4025
Census Tract	600501

Owner

Source: Monroe County records · APN 10-01-133-035-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	1313 CODY DR, WATERLOO, IL 62298-2775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOFI BANK NA
Aug 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
May 10, 2021	Deed of Trust, Mortgage · Construction Mortgage MUTUAL OF OMAHA MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1313 CODY DR, WATERLOO, IL 62298-2775
Transaction Type	Mortgage
Record Updated	Oct 01, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439301
Date	Sep 17, 2025
Instrument	439301

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2055

Interest

Rate Type	Fixed Rate
Rate	8.25%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1313 CODY DR, WATERLOO, IL 62298-2775
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430347
Date	Aug 30, 2023
Instrument	430347

Lender

Name	SPRING EQ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 01, 2043

Interest

Rate Type	Fixed Rate
Rate	8.5%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1313 CODY DR, WATERLOO, IL 62298-2775
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417060
Date	May 10, 2021
Instrument	417060

Lender

Name	MUTUAL OF OMAHA MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$100,920 (+26.32%) Land $16,790 Building $84,130	$302,760 (+26.32%) Land $50,370 Building $252,390
2024	$5,427.00
2022	Additional exemption filed	$79,890 Land $15,410 Building $64,480	$239,670 Land $46,230 Building $193,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
HTC Holding Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

Based on FCC filings for 123 locations within half a mile of this property.

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