261 Druscilla Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 261 Druscilla Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,748 sqft · built 1994
Lot Size	0.82 acres (35,908 sqft)
Owner	Individual Name on Record
Tax Bill	$10,163 (2025)
Deeds & Mortgages	Mar 2023 Transfer Aug 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`07-14-234-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-14-234-002-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,748 sqft Living Area
1st Floor Area	2,748 sqft
Basement Area	2,748 sqft
Unfinished Basement	2,748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	35,908 sqft (0.82 acres)
Garage Area	750 sqft
Driveway	Asphalt Driveway
Driveway Area	3,420 sqft
Porch	Slab
Porch Area	48 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	261 DRUSCILLA LN
City	WATERLOO
State	IL
Zip	62298-5552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR1
Legal Description	LOT 28 STERRITTS RUN 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	14
Legal Subdivision	STERRITT'S RUN
Legal Lot Number	28
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2054
Census Tract	600402

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	261 DRUSCILLA LN, WATERLOO, IL 62298-5552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2020	Deed of Trust, Mortgage · Construction Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 29, 2023
Transfer Doc	0000428463
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Mar 30, 2023
Property Address	261 DRUSCILLA LN, WATERLOO, IL 62298-5552
Document Number	0000428463
Instrument Date	Mar 21, 2023
Instrument	428463
Transaction Type	Transfer
Record Updated	Apr 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 DRUSCILLA LN, WATERLOO, IL 62298-5552

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	261 DRUSCILLA LN, WATERLOO, IL 62298-5552
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000410309
Date	Aug 18, 2020
Instrument	410309

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

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	$10,163.00 (+3.76%) Homeowner's exemption	$172,310 (+32.37%) Land $20,460 Building $151,850	$516,930 (+32.37%) Land $61,380 Building $455,550
2024	$9,795.00
2022	Additional exemption filed	$130,170 Land $17,640 Building $112,530	$390,510 Land $52,920 Building $337,590

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 · 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	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

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

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 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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