2904 Estate Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 2904 Estate Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,464 sqft · built 2006
Lot Size	2.93 acres (127,631 sqft)
Owner	2 Individual Names on File
Last Sale	$536,500 (Sep 2019)
Tax Bill	$13,388 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-317-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-05-317-011-000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	3,464 sqft Living Area
1st Floor Area	3,464 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Foundation Type	Raised
Lot Area	127,631 sqft (2.93 acres)
Garage Area	1,484 sqft
Driveway	Asphalt Driveway
Driveway Area	5,568 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	1,008 sqft
Porch	Slab
Porch Area	198 sqft
Patio Area	696 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2904 ESTATE DR
City	WATERLOO
State	IL
Zip	62298-5340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	LOT 11 HANOVER ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	05
Legal Subdivision	HANOVER ESTATES
Legal Lot Number	11
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2007
Census Tract	600402

Owner

2904 Estate Dr is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2904 ESTATE DR, WATERLOO, IL 62298-5340
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANK
Jan 11, 2021	Transfer on Death Deed, Transfer
Sep 4, 2019	Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Deed Document Number	2019403370
Last Transfer Date	Dec 17, 2020
Transfer Doc	0000414111
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2904 ESTATE DR, WATERLOO, IL 62298-5340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404913
Date	Nov 25, 2019
Instrument	404913

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 13, 2029

Interest

Rate Type	Fixed Rate

January 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Jan 11, 2021
Property Address	2904 ESTATE DR, WATERLOO, IL 62298-5340
Document Number	0000414111
Instrument Date	Dec 17, 2020
Instrument	414111
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 ESTATE DR, WATERLOO, IL 62298-5340

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Sep 4, 2019
Property Address	2904 ESTATE DR, WATERLOO, IL 62298-5340
Document Number	0000403370
Instrument Date	Sep 4, 2019
Instrument	403370
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$804.75
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	2904 ESTATE DR, WATERLOO, IL 62298-5340

Mortgage

Document Number	0000403371
Date	Sep 4, 2019
Instrument	403371

Lender

Name	TOWN & COUNTRY BANC MTG SVCS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2904 Estate Dr was $13,388, up 0.8% from the year before.

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	$13,388.00 (+0.76%) Homeowner's exemption	$229,240 Land $17,970 Building $211,270	$687,720 Land $53,910 Building $633,810
2024	$13,287.00
2022	Additional exemption filed	$178,830 Land $17,970 Building $160,860	$536,490 Land $53,910 Building $482,580

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

FEMA maps place 2904 Estate Dr 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	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

Wildfire risk around 2904 Estate Dr 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 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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