Monroe County property record for 260 Druscilla Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 2,710 sqft · built 1997 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,783 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-14-234-001-000 |
| Primary APN | 07-14-234-001-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,710 sqft Living Area |
| 1st Floor Area | 2,710 sqft |
| Basement Area | 2,710 sqft |
| Unfinished Basement | 2,710 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Area | 856 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 2,793 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 256 sqft |
| Patio Area | 432 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 260 DRUSCILLA LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5561 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR1 |
| Legal Description | LOT 27 STERRITTS RUN 1ST ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 14 |
| Legal Subdivision | STERRITT'S RUN |
| Legal Lot Number | 27 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 600402 |
260 Druscilla Ln is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 260 DRUSCILLA LN, WATERLOO, IL 62298-5561 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 260 DRUSCILLA LN, WATERLOO, IL 62298-5561 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000439425 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 439425 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 15, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.25% |
The 2025 property tax bill for 260 Druscilla Ln was $10,783, up 3.8% 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 | $10,783.00 (+3.75%) Homeowner's exemption | $182,470 Land $21,850 Building $160,620 | $547,410 Land $65,550 Building $481,860 |
| 2024 | $10,393.00 | ||
| 2022 | Additional exemption filed | $138,380 Land $18,480 Building $119,900 | $415,140 Land $55,440 Building $359,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 260 Druscilla Ln in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 260 Druscilla Ln is low, with less than 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 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.
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 134 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 |
May also be available: Verizon, Wisper ISP.
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