2923 Estate Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 2923 Estate Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 1,465 sqft · built 2013
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$406,000 (May 2017)
Tax Bill	$10,634 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-05-317-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-05-317-017-000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	1,465 sqft Living Area
1st Floor Area	1,305 sqft
Basement Area	1,465 sqft
Unfinished Basement	1,465 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	108,900 sqft (2.5 acres)
Garage Area	1,088 sqft
Porch	Porch
Porch Area	266 sqft
Patio Area	225 sqft

Location & Zoning

Street Address	2923 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 17 HANOVER ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	05
Legal Subdivision	HANOVER ESTATES
Legal Lot Number	17
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2007
Census Tract	600402

Owner

2923 Estate Dr is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
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
Mar 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage GERMANTOWN TRUST & SAV BANK
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional with PMI STATE BK/WATERLOO
Oct 25, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Dec 23, 2017	Loan Modification, Mortgage · Conventional with PMI CITIZENS CMNTY BK
May 23, 2017	Warranty Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2017 · Amount on File
Deed Sale	May 23, 2017 · Amount on File
Deed Document Number	2017389962
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388673
Date	Mar 10, 2017
Instrument	388673

Lender

Name	GERMANTOWN TRUST & SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414257
Date	Jan 19, 2021
Instrument	414257

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 11, 2031

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000408425
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2923 ESTATE DR WATERLOO IL 622985351, WATERLOO, IL 62298-5351

Mortgage

Document Number	0000408425
Date	Jun 3, 2020
Instrument	408425

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

Interest

Rate	3%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000404564
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2923 ESTATE DR WATERLOO IL 622985351, WATERLOO, IL 62298-5351

Mortgage

Document Number	0000404564
Date	Nov 5, 2019
Instrument	404564

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 4, 2029

Interest

Rate Type	Adjustable Rate
Rate	4.75%

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000393777
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2936 ESTATE DR WATERLOO IL 622985340, WATERLOO, IL 62298-5340
Investor	Possibly a Property Investor

Mortgage

Document Number	0000393777
Date	Jan 5, 2018
Instrument	393777

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	12 Months
Due	Jan 4, 2019

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 23, 2017
Property Address	2923 ESTATE DR, WATERLOO, IL 62298-5351
Document Number	0000389962
Instrument Date	May 19, 2017
Instrument	389962
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$609.00
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	2923 ESTATE DR WATERLOO IL 622985351, WATERLOO, IL 62298-5351

Mortgage

Document Number	389963
Date	May 23, 2017
Instrument	389963

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 2923 Estate Dr was $10,634, up 10.9% 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	$10,634.00 (+10.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$183,260 Land $16,580 Building $166,680	$549,780 Land $49,740 Building $500,040
2024	$9,590.00
2022	Disabled Person's exemption Veteran's exemption Additional exemption filed	$143,200 Land $16,580 Building $126,620	$429,600 Land $49,740 Building $379,860

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 2923 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 2923 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 65% 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 (outdoors only) and 4G LTE

Nearby Properties on Estate Dr

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