Monroe County property record for 404 Sycamore Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,578 sqft · built 1977 |
| Lot Size | 0.495 acres (21,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,306 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-30-303-006-000 |
| Primary APN | 08-30-303-006-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| 1st Floor Area | 1,578 sqft |
| Basement Area | 408 sqft |
| Unfinished Basement | 408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 21,560 sqft (0.495 acres) |
| Garage Area | 690 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 616 sqft |
| Porch | Slab |
| Porch Area | 84 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 404 SYCAMORE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 33 HARDY ACRES 0155122 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 33 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 19 |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 600401 |
404 Sycamore Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| 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.
| Date | Document |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · Line of Credit SOFI BANK NA |
| May 12, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Sep 17, 2020 | Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 404 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000440934 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 440934 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 9.64% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 404 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000417092 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 417092 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 404 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000411039 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 411039 |
| Name | PRIME CHOICE FUNDING INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 404 Sycamore Dr was $4,306 with a homeowner's exemption, up 13.4% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,306.00 (+13.41%) Homeowner's exemption | $81,130 Land $18,190 Building $62,940 | $243,390 Land $54,570 Building $188,820 |
| 2024 | $3,797.00 | ||
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $69,820 Land $16,240 Building $53,580 | $209,460 Land $48,720 Building $160,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Sycamore Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 404 Sycamore Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 475 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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