2901 Estate Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 2901 Estate Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,316 sqft · built 2019
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Dec 2019)
Tax Bill	$9,701 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-317-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-05-317-012-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,316 sqft Living Area
1st Floor Area	2,316 sqft
Basement Area	2,316 sqft
Unfinished Basement	2,316 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick/Stone
Lot Area	217,800 sqft (5 acres)
Garage Area	1,642 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2901 ESTATE DR
City	WATERLOO
State	IL
Zip	62298-5351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	PART LOT 12 & LOT 13 HANOVER ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	05
Legal Subdivision	HANOVER ESTATES
Legal Lot Number	12-13
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2007
Census Tract	600402

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	2901 ESTATE DR, WATERLOO, IL 62298-5351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jun 27, 2019	Quit Claim Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jan 14, 2019	Trustee's Deed, Construction Loan · Line of Credit CITIZENS CMNTY BK
Mar 29, 2018	Trustee's Deed, Construction Loan · Line of Credit CITIZENS CMNTY BK/IL
Jul 17, 2017	Deed, Construction Loan · Construction Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2019 · Amount on Record
Deed Sale	Dec 19, 2019 · Amount on Record
Prior Sale	Jun 27, 2019 · Amount on Record
Deed Document Number	2019405307
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2901 ESTATE DR, WATERLOO, IL 62298-5351
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000405392
Date	Dec 27, 2019
Instrument	405392

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2901 ESTATE DR, WATERLOO, IL 62298-5351
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415049
Date	Feb 19, 2021
Instrument	415049

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jun 27, 2019
Property Address	2901 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000402173
Instrument Date	Jun 24, 2019
Instrument	402173
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2901 ESTATE DR, WATERLOO, IL 62298-5351

Mortgage

Document Number	0000402174
Date	Jun 27, 2019
Instrument	402174

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.88%

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Jan 14, 2019
Property Address	2901 ESTATE DR, WATERLOO, IL 62298-5351
Instrument Date	Jan 9, 2019
Instrument	399541
Transaction Type	Construction Loan
Record Updated	Feb 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2901 ESTATE DR WATERLOO IL 622985351, WATERLOO, IL 62298-5351

Mortgage

Document Number	0000399541
Date	Jan 14, 2019
Instrument	399541

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 13, 2020

Interest

Rate Type	Adjustable Rate
Rate	5.5%

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Mar 29, 2018
Property Address	2901 ESTATE DR, WATERLOO, IL 62298-5351
Instrument Date	Mar 14, 2018
Instrument	395063
Transaction Type	Construction Loan
Record Updated	Apr 6, 2018
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2901 ESTATE DR WATERLOO IL 622985351, WATERLOO, IL 62298-5351

Mortgage

Document Number	0000395063
Date	Mar 29, 2018
Instrument	395063

Lender

Name	CITIZENS CMNTY BK/IL
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 28, 2019

Interest

Rate Type	Adjustable Rate
Rate	5.5%

July 2017: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Jul 17, 2017
Property Address	2901 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000390927
Map Reference	ENV2-202B
Instrument Date	Jul 14, 2017
Instrument	390927
Transaction Type	Construction Loan
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10, WATERLOO, IL 62298-0010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000390928
Date	Jul 17, 2017
Instrument	390928

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	5.25%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,701.00 (+1.12%) Homeowner's exemption	$167,690 (+6.84%) Land $24,660 Building $143,030	$503,070 (+6.84%) Land $73,980 Building $429,090
2024	$9,594.00
2022	Additional exemption filed	$156,960 Land $24,660 Building $132,300	$470,880 Land $73,980 Building $396,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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