324 Druscilla Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 324 Druscilla Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 3,284 sqft · built 1995
Lot Size	1.32 acres (57,514 sqft)
Owner	2 Trust Names on File
Last Sale	$497,000 (Aug 2020)
Tax Bill	$12,944 (2025)
Deeds & Mortgages	Sep 2025 Transfer Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-14-234-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-14-234-011-000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,284 sqft Living Area
1st Floor Area	3,284 sqft
Basement Area	3,284 sqft
Unfinished Basement	3,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	57,514 sqft (1.32 acres)
Garage Area	994 sqft
Driveway	Asphalt Driveway
Driveway Area	3,833 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	629 sqft
Porch	Slab
Porch Area	56 sqft
Patio Area	653 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	324 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 37 STERRITTS RUN 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	14
Legal Subdivision	STERRITT'S RUN
Legal Lot Number	37
Jurisdiction	MONROE IL
Township / Civil Division	30
Census Block Group	2
Census Block	2054
Census Tract	600402

Owner

324 Druscilla Ln is held in a trust since September 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	2751 S OCEAN DR, 905N, HOLLYWOOD, FL 33019-2734
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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
Sep 22, 2025	Intrafamily Transfer, Transfer
Oct 11, 2022	Transfer on Death Deed, Transfer
Aug 20, 2020	Warranty Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Deed Document Number	2020410376
Last Transfer Date	Sep 18, 2025
Transfer Doc	0000439350
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Sep 22, 2025
Property Address	324 DRUSCILLA LN, WATERLOO, IL 62298-5555
Document Number	0000439350
Instrument Date	Sep 18, 2025
Instrument	439350
Transaction Type	Transfer
Record Updated	Oct 8, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2751 S OCEAN DR # DR905N, DR905N, HOLLYWOOD, FL 33019-2721

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2751 S OCEAN DR APT 905N, 905N, HOLLYWOOD, FL 33019-2734

October 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Oct 11, 2022
Property Address	324 DRUSCILLA LN, WATERLOO, IL 62298-5555
Document Number	0000426470
Instrument Date	Oct 3, 2022
Instrument	426470
Transaction Type	Transfer
Record Updated	Oct 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2751 S OCEAN DR # DR905N, 2751, HOLLYWOOD, FL 33019-2721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 DRUSCILLA LN, WATERLOO, IL 62298-5555

August 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 20, 2020
Property Address	324 DRUSCILLA LN, WATERLOO, IL 62298-5555
Document Number	0000410376
Instrument Date	Aug 20, 2020
Instrument	410376
Transaction Type	Construction Loan
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$745.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 DRUSCILLA LN, WATERLOO, IL 62298-5555

Mortgage

Document Number	0000410377
Date	Aug 20, 2020
Instrument	410377

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 324 Druscilla Ln was $12,944, up 3.6% 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	$12,944.00 (+3.61%) Homeowner's exemption	$217,880 (+0.37%) Land $23,960 Building $193,920	$653,640 (+0.37%) Land $71,880 Building $581,760
2024	$12,493.00 Additional exemption filed	$217,071 Land $22,263 Building $194,808	$651,213 Land $66,789 Building $584,424
2022	$10,302.00 Additional exemption filed	$166,460 Land $19,740 Building $146,720	$499,380 Land $59,220 Building $440,160

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

FEMA maps place 324 Druscilla Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 324 Druscilla Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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