312 Druscilla Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 312 Druscilla Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,487 sqft · built 1994
Lot Size	0.81 acres (35,088 sqft)
Owner	Individual Name on Record
Tax Bill	$8,864 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-14-234-014-000`

Property Details

APN / Parcel Number

Primary APN	`07-14-234-014-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,487 sqft Living Area
1st Floor Area	2,487 sqft
Basement Area	2,487 sqft
Unfinished Basement	2,487 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
Lot Area	35,088 sqft (0.81 acres)
Garage Area	672 sqft
Driveway	Asphalt Driveway
Driveway Area	2,127 sqft
Porch	Slab
Porch Area	398 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	312 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 40 STERRITTS RUN 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	14
Legal Subdivision	STERRITT'S RUN
Legal Lot Number	40
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2054
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	Individual Name on Record
Mailing Address	312 DRUSCILLA LN, WATERLOO, IL 62298-5555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK
Mar 23, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	312 DRUSCILLA LN, WATERLOO, IL 62298-5555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000408185
Date	May 27, 2020
Instrument	408185

Lender

Name	ASSOCIATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 23, 2020
Property Address	312 DRUSCILLA LN, WATERLOO, IL 62298-5555
Document Number	0000406864
Instrument Date	Feb 27, 2020
Instrument	406864
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 DRUSCILLA LN WATERLOO IL 622985555, WATERLOO, IL 62298-5555

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	$8,864.00 (+3.53%) Homeowner's exemption	$151,030 (+29.42%) Land $20,460 Building $130,570	$453,090 (+29.42%) Land $61,380 Building $391,710
2024	$8,562.00
2022	Additional exemption filed	$116,700 Land $17,640 Building $99,060	$350,100 Land $52,920 Building $297,180

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 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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