Monroe County property record for 405 Sycamore Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,227 sqft · built 1972 |
| Lot Size | 0.352 acres (15,337 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Sep 2025) |
| Tax Bill | $3,361 (2024) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-30-302-009-000 |
| Primary APN | 08-30-302-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,227 sqft Living Area |
| 1st Floor Area | 1,227 sqft |
| Basement Area | 1,227 sqft |
| Unfinished Basement | 1,227 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 15,337 sqft (0.352 acres) |
| Garage Area | 529 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 977 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 42 sqft |
| Patio Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 SYCAMORE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 HARDY ACRES |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 20 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 19 |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-30-302-009-000
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 SYCAMORE DR, WATERLOO, IL 62298-1739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 09, 2025 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Jun 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2025 · Amount on Record |
| Deed Sale | Sep 09, 2025 · Amount on Record |
| Prior Sale | Jun 12, 2020 · Amount on Record |
| Deed Document Number | 2025439202 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 09, 2025 |
| Property Address | 405 SYCAMORE DR, WATERLOO, IL 62298-1739 |
| Document Number | 0000439202 |
| Map Reference | MB C PG 58 |
| Instrument Date | Sep 05, 2025 |
| Instrument | 439202 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $397.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 SYCAMORE DR, WATERLOO, IL 62298-1739 |
| Document Number | 0000439203 |
|---|---|
| Date | Sep 09, 2025 |
| Instrument | 439203 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 12, 2020 |
| Property Address | 405 SYCAMORE DR, WATERLOO, IL 62298-1739 |
| Document Number | 0000408636 |
| Instrument Date | Jun 11, 2020 |
| Instrument | 408636 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $278.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 SYCAMORE DR WATERLOO IL 622981739, WATERLOO, IL 62298-1739 |
| Document Number | 408637 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 408637 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2050 |
| Rate | 3% |
|---|
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 | $67,330 (+7.24%) Land $17,280 Building $50,050 | $201,990 (+7.24%) Land $51,840 Building $150,150 | |
| 2024 | $3,361.00 Additional exemption filed | $62,786 (+8.38%) Land $16,803 Building $45,983 | $188,358 (+8.38%) Land $50,409 Building $137,949 |
| 2022 | Additional exemption filed | $57,930 Land $15,700 Building $42,230 | $173,790 Land $47,100 Building $126,690 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels 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, availability as of December 31, 2025 · sampled at 475 locations within half a mile · 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 via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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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