320 Druscilla Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 320 Druscilla Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,187 sqft · built 1998
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Apr 2023)
Tax Bill	$11,567 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-14-234-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-14-234-012-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	3,187 sqft Living Area
1st Floor Area	3,187 sqft
Basement Area	3,187 sqft
Unfinished Basement	3,187 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	40,075 sqft (0.92 acres)
Garage Area	860 sqft
Driveway	Asphalt Driveway
Driveway Area	4,389 sqft
Porch	Slab
Porch Area	334 sqft
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	320 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 38 STERRITTS RUN 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	14
Legal Subdivision	STERRITT'S RUN
Legal Lot Number	38
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	2 Individual Names on Record
Mailing Address	320 DRUSCILLA LN, WATERLOO, IL 62298-5555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Deed Document Number	2023428626
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 17, 2023
Property Address	320 DRUSCILLA LN, WATERLOO, IL 62298-5555
Document Number	0000428626
Instrument Date	Apr 12, 2023
Instrument	428626
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$832.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	502 CREEKWOODS DR, WATERLOO, IL 62298-1849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 DRUSCILLA LN, WATERLOO, IL 62298-5555

Mortgage

Document Number	0000428627
Date	Apr 17, 2023
Instrument	428627

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.59%

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	$11,567.00 (+3.7%) Homeowner's exemption	$195,320 (+32.52%) Land $21,240 Building $174,080	$585,960 (+32.52%) Land $63,720 Building $522,240
2024	$11,154.00 (+27.37%)
2022	$8,757.00 Homeowner's exemption Additional exemption filed	$147,390 Land $18,170 Building $129,220	$442,170 Land $54,510 Building $387,660

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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