2 Silver Creek Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 2 Silver Creek Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 3,274 sqft · built 1971
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Oct 2021)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-381-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-381-003-000`
Alternative APN	`07251830500700 00`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	3,274 sqft Building Perimeter
1st Floor Area	2,258 sqft
Upper Floors Area	1,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	136,343 sqft (3.13 acres)
Garage Area	1,922 sqft
Driveway	Concrete Driveway
Driveway Area	1,086 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	630 sqft
Porch	Slab
Porch Area	96 sqft
Deck Area	120 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2 SILVER CREEK LN
City	WATERLOO
State	IL
Zip	62298-1475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART TAX LOT 3D
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Lot Number	3D
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4008
Census Tract	600501

Owner

Source: Monroe County records, as of October 16, 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	2 SILVER CREEK LN, WATERLOO, IL 62298-1475
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on Record
Deed Sale	Oct 26, 2021 · Amount on Record
Deed Document Number	2021420566
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2021
Property Address	2 SILVER CREEK LN, WATERLOO, IL 62298-1475
Document Number	0000420566
Instrument Date	Oct 25, 2021
Instrument	420566
Transaction Type	Transfer
Record Updated	Nov 10, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$922.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SILVER CREEK LN, WATERLOO, IL 62298-1475

Mortgage

Document Number	0000420567
Date	Oct 26, 2021
Instrument	420567

Lender

Name	NAVY FCU

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption	$200,780 (+29.69%) Land $36,360 Building $164,420	$602,340 (+29.69%) Land $109,080 Building $493,260
2022	Disabled Person's exemption Additional exemption filed	$154,810 Land $27,720 Building $127,090	$464,430 Land $83,160 Building $381,270

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 315 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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