307 Sycamore Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 307 Sycamore Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,922 sqft · built 1993
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Trust Names on Record
Tax Bill	$7,375 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-30-301-023-000`

Property Details

APN / Parcel Number

Primary APN	`08-30-301-023-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,922 sqft Building Perimeter
1st Floor Area	1,162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	21,344 sqft (0.49 acres)
Garage Area	1,036 sqft
Driveway	Concrete Driveway
Driveway Area	360 sqft
Porch	Slab
Porch Area	62 sqft
Patio Area	323 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	307 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 1 HARDY ACRES
Legal Range	09W
Legal Township	02S
Legal Section	30
Legal Subdivision	HARDY ACRES
Legal Lot Number	1
Jurisdiction	MONROE IL
Township / Civil Division	19
Census Block Group	1
Census Block	1021
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 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	307 SYCAMORE DR, WATERLOO, IL 62298-1737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Feb 21, 2019	Deed of Trust, Mortgage · Conventional with PMI DIETERICH BK NA
Jan 24, 2017	Deed of Trust, Mortgage · Line of Credit DIETERICH BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	307 SYCAMORE DR, WATERLOO, IL 62298-1737
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409082
Date	Jun 29, 2020
Instrument	409082

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	307 SYCAMORE DR, WATERLOO, IL 62298-1737
Document Number	0000400255
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 27, 2019
Title Company	ACCENT TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	307 SYCAMORE DR WATERLOO IL 622981737, WATERLOO, IL 62298-1737

Mortgage

Document Number	0000400255
Date	Mar 8, 2019
Instrument	400255

Lender

Name	DIETERICH BK NA
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 7, 2034

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	307 SYCAMORE DR, WATERLOO, IL 62298-1737
Document Number	0000388204
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 23, 2017
Title Company	ACCENT TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	307 SYCAMORE DR WATERLOO IL 622981737, WATERLOO, IL 62298-1737

Mortgage

Document Number	0000388204
Date	Feb 6, 2017
Instrument	388204

Lender

Name	DIETERICH BK NA
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 5, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$137,530 (+30.24%) Land $13,140 Building $124,390	$412,590 (+30.24%) Land $39,420 Building $373,170
2024	$7,375.00
2022	Additional exemption filed	$105,600 Land $16,240 Building $89,360	$316,800 Land $48,720 Building $268,080

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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