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317 Druscilla Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 317 Druscilla Ln, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,443 sqft · built 1994
Lot Size1.14 acres (49,572 sqft)
Owner2 Individual Names on Record
Last Sale$565,000 (Mar 2023)
Tax Bill$11,971 (2025)
Deeds & MortgagesMar 2023 Sale & Construction Loan
Flood ZoneZone X (minimal risk)
APN07-14-234-022-000

Property Details

APN / Parcel Number

Primary APN07-14-234-022-000

Interior

Bedrooms4 Beds
Full Baths4 Baths
Plumbing Fixtures11 Plumbing Fixtures
Stories1 Story
Building Area2,443 sqft Building Perimeter
1st Floor Area1,644 sqft
Upper Floors Area799 sqft
Basement Area280 sqft
Unfinished Basement280 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Foundation TypeRaised
Lot Area49,572 sqft (1.14 acres)
Garage TypeMixed
Garage Area297 sqft
DrivewayAsphalt Driveway
Driveway Area3,998 sqft

Exterior Amenities

Pool TypeIn-Ground Vinyl Pool
Pool Area648 sqft
PorchSlab
Porch Area488 sqft
Deck Area70 sqft
Patio Area351 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address317 DRUSCILLA LN
CityWATERLOO
StateIL
Zip62298-5558
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR1
Legal DescriptionLOT 49 STERRITTS RUN 1ST ADDN
Legal Range10W
Legal Township02S
Legal Section14
Legal SubdivisionSTERRITT'S RUN
Legal Lot Number49
JurisdictionMONROE IL
Township / Civil Division30
Census Block Group2
Census Block2054
Census Tract600402

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address317 DRUSCILLA LN, WATERLOO, IL 62298-5558
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 21, 2023 · Amount on Record
Deed SaleMar 21, 2023 · Amount on Record
Deed Document Number2023428315
Record UpdatedOct 29, 2026

March 2023: Deed, Construction Loan

Document TypeDeed
JurisdictionMONROE IL
Recording DateMar 21, 2023
Property Address317 DRUSCILLA LN, WATERLOO, IL 62298-5558
Document Number0000428315
Map ReferenceMB 142 PG 87
Instrument DateMar 17, 2023
Instrument428315
Transaction TypeConstruction Loan
Record UpdatedApr 12, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$847.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address717 WILLIAMS LDG, WATERLOO, IL 62298-3349

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address317 DRUSCILLA LN, WATERLOO, IL 62298-5558

Mortgage

Document Number0000428316
DateMar 21, 2023
Instrument428316
Lender
NameFIRST STATE BANK ST CHARLES MO
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2053
Interest
Rate TypeFixed Rate
Rate6.5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$11,971.00 (+4.41%) Homeowner's exemption$201,940 (+31.18%) Land $22,680 Building $179,260$605,820 (+31.18%) Land $68,040 Building $537,780
2024$11,465.00
2022Additional exemption filed$153,940 Land $19,040 Building $134,900$461,820 Land $57,120 Building $404,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims263 (1993–2019)
Most Recent ClaimJun 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 RiskNot 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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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

ProviderMax 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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