Monroe County property record for 405 Hayden Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $589,561 (Jan 2024) |
| Tax Bill | $9,659 (2025) |
| Deeds & Mortgages | Mar 2026 Construction Loan Oct 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-317-049-000 |
| Primary APN | 08-19-317-049-000 |
|---|
| Lot Area | 47,916 sqft (1.1 acres) |
|---|
| Street Address | 405 HAYDEN DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 49 NATALIE ESTATES PHASE 2 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | NATALIE ESTATES |
| Legal Lot Number | 49 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4055 |
| Census Tract | 600401 |
405 Hayden Dr is owner-occupied and held in a trust since March 2026.
Source: Monroe County records, as of October 16, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Mar 18, 2026 | Intrafamily Transfer, Transfer · Construction Mortgage FIRST FEDERAL BANK |
| Oct 15, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2024 · Amount on File |
| Deed Sale | Jan 17, 2024 · Amount on File |
| Prior Sale | May 16, 2023 · Amount on File |
| Deed Document Number | 2024431790 |
| Last Transfer Date | Mar 2, 2026 |
| Transfer Doc | 0000441680 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 18, 2026 |
| Property Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
| Document Number | 0000441680 |
| Map Reference | MB A PG 122 |
| Instrument Date | Mar 2, 2026 |
| Instrument | 441680 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
| Document Number | 0000441681 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 441681 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.63% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 15, 2025 |
| Property Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
| Document Number | 0000439643 |
| Map Reference | DOC 428801 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 439643 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 405 HAYDEN DR, WATERLOO, IL 62298-1154 |
The 2025 property tax bill for 405 Hayden Dr was $9,659, up 567.5% 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 | $9,659.00 (+567.52%) | $168,850 (+590.34%) Land $25,550 Building $143,300 | $506,550 (+590.34%) Land $76,650 Building $429,900 |
| 2024 | $1,447.00 | $24,459 Land $24,459 | $73,377 Land $73,377 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 405 Hayden Dr in Zone X, an area of minimal flood risk.
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 | 5 in force |
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.
The area around 405 Hayden 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: FCC Broadband Data Collection, based on 269 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: ClearWave, Wisper ISP.
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