Monroe County property record for 405 Hillcrest Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,472 sqft · built 1967 |
| Lot Size | 0.48 acres (20,819 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $330,000 (Mar 2022) |
| Tax Bill | $6,381 (2024) |
| Deeds & Mortgages | Jul 2022 Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-30-301-010-000 |
| Primary APN | 08-30-301-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,472 sqft Living Area |
| 1st Floor Area | 2,472 sqft |
| Basement Area | 2,472 sqft |
| Unfinished Basement | 2,472 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 20,819 sqft (0.48 acres) |
| Garage Area | 384 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 3,829 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 288 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 HILLCREST DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | PART LOTS 3 & 4 HARDY ACRES 278091 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 3,4 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 19 |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 600401 |
Source: Monroe County assessment roll, APN 08-30-301-010-000, as of August 29, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 405 HILLCREST DR, WATERLOO, IL 62298-1713 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK |
| Mar 23, 2022 | Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 23, 2022 · Amount on Record |
| Deed Sale | Mar 23, 2022 · Amount on Record |
| Last Transfer Date | Mar 24, 2025 |
| Transfer Doc | 0000436959 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 405 HILLCREST DR, WATERLOO, IL 62298-1713 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425183 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 425183 |
| Name | ASSOCIATED BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 23, 2022 |
| Property Address | 405 HILLCREST DR, WATERLOO, IL 62298-1713 |
| Document Number | 0000423368 |
| Map Reference | MB 92 PG 474 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 423368 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 HILLCREST DR, WATERLOO, IL 62298-1713 |
| Document Number | 0000423369 |
|---|---|
| Date | Mar 23, 2022 |
| Instrument | 423369 |
| Name | ASSOCIATED BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Monroe County assessment roll as of August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $118,510 (+31.9%) Land $18,190 Building $100,320 | $355,530 (+31.9%) Land $54,570 Building $300,960 | |
| 2024 | $6,381.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $89,850 Land $16,240 Building $73,610 | $269,550 Land $48,720 Building $220,830 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 242 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Source: EPA Safe Drinking Water Information System, water system IL1330300, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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