305 Sycamore Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 305 Sycamore Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,574 sqft · built 1965
Lot Size	0.67 acres (29,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Oct 2018)
Tax Bill	$4,392 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-30-301-004-000`

Property Details

APN / Parcel Number

Primary APN	`08-30-301-004-000`
Alternative APN	`08301330400300 00`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	1,574 sqft Building Perimeter
1st Floor Area	1,394 sqft
Upper Floors Area	180 sqft
Basement Area	787 sqft
Unfinished Basement	787 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	29,123 sqft (0.67 acres)
Garage Area	784 sqft
Driveway	Asphalt Driveway
Driveway Area	176 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	222 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	305 SYCAMORE DR
City	WATERLOO
State	IL
Zip	62298-1737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 8D PART NW/4 NW/4 SW/4
Legal Range	09W
Legal Township	02S
Legal Section	30
Legal Lot Number	8D
Jurisdiction	MONROE IL
Township / Civil Division	19
Census Block Group	1
Census Block	1021
Census Tract	600401

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 Individual Names on Record
Mailing Address	305 SYCAMORE DR, WATERLOO, IL 62298-1737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Oct 1, 2018	Grant Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	2018398088
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	305 SYCAMORE DR, WATERLOO, IL 62298-1737
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416196
Date	Apr 6, 2021
Instrument	416196

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Oct 1, 2018
Property Address	305 SYCAMORE DR, WATERLOO, IL 62298-1737
Document Number	0000398088
Instrument Date	Oct 1, 2018
Instrument	398088
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.50
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	305 SYCAMORE DR WATERLOO IL 622981737, WATERLOO, IL 62298-1737

Mortgage

Document Number	398089
Date	Oct 1, 2018
Instrument	398089

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2048

Interest

Rate	4.62%

Mortgage

Document Number	398090,
Date	Oct 1, 2018
Instrument	398090

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2028

Interest

Rate Type	Adjustable 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
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	$4,392.00 Homeowner's exemption	$77,740 (+2.61%) Land $19,460 Building $58,280	$233,220 (+2.61%) Land $58,380 Building $174,840
2024	$4,392.00
2022	Additional exemption filed	$75,760 Land $17,120 Building $58,640	$227,280 Land $51,360 Building $175,920

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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