Monroe County property record for 405 Laurel Dr, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1973 |
| Square Footage | 1,943 sqft Living Area |
| Lot Size | 12,736 sqft (0.29 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2022) |
| Tax Bill | $4,282.00 (2024) |
| Primary APN | 08-30-303-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,943 sqft Living Area |
| 1st Floor | 1,943 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 12,736 sqft (0.29 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 720 sqft Driveway |
| Garage Area | 440 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 120 sqft Shed |
| Patio Area | 360 sqft Patio |
| Porch Area | 245 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 405 LAUREL DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1715 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 37 HARDY ACRES |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 37 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 19 |
| Census Blockgroup | 1 |
| Census Block | 1023 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-30-303-009-000
Assessment roll updated 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 Individual Names on File |
|---|---|
| Mailing Address | 405 LAUREL DR, WATERLOO, IL 62298-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 01, 2022 | Warranty Deed, Transfer · Conventional Mortgage SCOTT CU |
| Feb 07, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 01, 2022 · Amount on Record |
| Deed Sale | Mar 01, 2022 · Amount on Record |
| Deed Doc Number | 2022422883 |
| Prior Transfer Date | Jan 24, 2022 |
| Prior Transfer Doc | 0000422528 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 01, 2022 |
| Property Address | 405 LAUREL DR, WATERLOO, IL 62298-1715 |
| Document Number | 0000422883 |
| Map Reference | MB C PG 58 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 422883 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 LAUREL DR, WATERLOO, IL 62298-1715 |
| Document Number | 0000422884 |
|---|---|
| Date | Mar 01, 2022 |
| Instrument | 422884 |
| Name | SCOTT CU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.75% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 07, 2022 |
| Property Address | 405 LAUREL DR, WATERLOO, IL 62298-1715 |
| Document Number | 0000422528 |
| Map Reference | MB C PG 58 |
| Instrument Date | Jan 24, 2022 |
| Instrument | 422528 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 RAINIER POINTE CT, SAINT CHARLES, MO 63301-8404 |
| Investor | Possibly a Property Investor |
| Document Number | 0000422532 |
|---|---|
| Date | Feb 07, 2022 |
| Instrument | 422532 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 01, 2042 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County records · Assessment roll updated 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 | $85,260 (+16.52%) Land $16,950 Building $68,310 | $255,780 (+16.52%) Land $50,850 Building $204,930 | |
| 2024 | $4,282.00 | ||
| 2022 | Additional exemption filed | $73,170 Land $15,510 Building $57,660 | $219,510 Land $46,530 Building $172,980 |
405 Laurel Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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