308 Druscilla Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 308 Druscilla Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 1,476 sqft · built 1994
Lot Size	0.8 acres (34,662 sqft)
Owner	Individual Name on File
Tax Bill	$9,033 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-14-234-015-000`

Property Details

APN / Parcel Number

Primary APN	`07-14-234-015-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	1,476 sqft Building Perimeter
1st Floor Area	1,068 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	34,662 sqft (0.8 acres)
Garage Area	552 sqft
Driveway	Asphalt Driveway
Driveway Area	260 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	665 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	308 DRUSCILLA LN
City	WATERLOO
State	IL
Zip	62298-5555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR1
Legal Description	LOT 41 STERRITTS RUN 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	14
Legal Subdivision	STERRITT'S RUN
Legal Lot Number	41
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2054
Census Tract	600402

Owner

308 Druscilla Ln is owned and occupied by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	308 DRUSCILLA LN, WATERLOO, IL 62298-5555
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 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Apr 8, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOME LOAN EXPERT LLC
Nov 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2021
Deed Sale	Apr 8, 2021
Prior Sale	Apr 8, 2021
Deed Document Number	2021416280
Prior Transfer Date	Mar 25, 2021
Prior Transfer Doc	0000416279
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	308 DRUSCILLA LN, WATERLOO, IL 62298-5555
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431205
Date	Nov 16, 2023
Instrument	431205

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	10.6%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Apr 8, 2021
Property Address	308 DRUSCILLA LN, WATERLOO, IL 62298-5555
Document Number	0000416280
Map Reference	MB 236 PG 865
Instrument Date	Apr 1, 2021
Instrument	416280
Transaction Type	Transfer
Record Updated	May 12, 2021

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	308 DRUSCILLA LN, WATERLOO, IL 62298-5555

Mortgage

Document Number	0000416281
Date	Apr 8, 2021
Instrument	416281

Lender

Name	HOME LOAN EXPERT LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	308 DRUSCILLA LN, WATERLOO, IL 62298-5555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000398637
Date	Nov 6, 2018
Instrument	398637

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	264 Months
Due	Oct 18, 2040

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 308 Druscilla Ln was $9,033, up 4.5% from the year before.

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	$9,033.00 (+4.5%) Homeowner's exemption	$153,790 Land $20,440 Building $133,350	$461,370 Land $61,320 Building $400,050
2024	$8,644.00
2022	Additional exemption filed	$117,630 Land $17,660 Building $99,970	$352,890 Land $52,980 Building $299,910

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 308 Druscilla Ln 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 308 Druscilla Ln 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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