2913 Estate Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 2913 Estate Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 1,750 sqft · built 2012
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Trust Names on Record
Deeds & Mortgages	Jul 2023 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-317-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-05-317-015-000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	1,750 sqft Building Perimeter
1st Floor Area	1,561 sqft
Basement Area	1,750 sqft
Unfinished Basement	1,750 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	109,336 sqft (2.51 acres)
Garage Area	1,186 sqft
Driveway	Concrete Driveway
Driveway Area	2,612 sqft
Porch	Slab
Porch Area	272 sqft
Patio Area	386 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2913 ESTATE DR
City	WATERLOO
State	IL
Zip	62298-5351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	LOT 15 HANOVER ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	05
Legal Subdivision	HANOVER ESTATES
Legal Lot Number	15
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 13, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	2913 ESTATE DR, WATERLOO, IL 62298-5351
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Intrafamily Transfer, Transfer
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK
Jul 31, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage NORTH AMERICAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Jul 28, 2023
Property Address	2913 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000429933
Map Reference	DOC 298905
Instrument Date	Jul 24, 2023
Instrument	429933
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2913 ESTATE DR, WATERLOO, IL 62298-5351

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2913 ESTATE DR, WATERLOO, IL 62298-5351

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2913 ESTATE DR, WATERLOO, IL 62298-5351
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414157
Date	Jan 12, 2021
Instrument	414157

Lender

Name	NORTH AMERICAN SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2045

Interest

Rate Type	Fixed Rate

July 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jul 31, 2017
Property Address	2913 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000391161
Instrument Date	Jul 28, 2017
Instrument	391161
Transaction Type	Subdivision Related Transfer
Record Updated	May 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2913 ESTATE DR WATERLOO IL 622985351, WATERLOO, IL 62298-5351

Mortgage

Document Number	391162
Date	Jul 31, 2017
Instrument	391162

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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	Disabled Person's exemption	$198,900 (+28.62%) Land $16,620 Building $182,280	$596,700 (+28.62%) Land $49,860 Building $546,840
2022	Disabled Person's exemption Additional exemption filed	$154,640 (+2.01%) Land $16,620 Building $138,020	$463,920 (+2.01%) Land $49,860 Building $414,060
2021	Disabled Person's exemption Additional exemption filed	$151,590 Land $16,620 Building $134,970	$454,770 Land $49,860 Building $404,910

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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