406 Hillcrest Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 406 Hillcrest Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,275 sqft · built 1971
Lot Size	0.31 acres (13,713 sqft)
Owner	Company Name on Record
Last Sale	$167,000 (Dec 2017)
Tax Bill	$3,661 (2024)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-30-302-002-000`

Property Details

APN / Parcel Number

Primary APN	`08-30-302-002-000`
Alternative APN	`08301330300700 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,275 sqft Living Area
1st Floor Area	1,275 sqft
Basement Area	1,275 sqft
Unfinished Basement	1,275 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	13,713 sqft (0.31 acres)
Garage Area	720 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 HILLCREST DR
City	WATERLOO
State	IL
Zip	62298-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 12 HARDY ACRES
Legal Range	09W
Legal Township	02S
Legal Section	30
Legal Subdivision	HARDY ACRES
Legal Lot Number	12
Jurisdiction	MONROE IL
Township / Civil Division	19
Census Block Group	1
Census Block	1021
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	406 HILLCREST DR, WATERLOO, IL 62298-1712
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Dec 7, 2017	Grant Deed, Transfer · Conventional with PMI PRIME LNDG
Oct 27, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2017 · Amount on Record
Deed Sale	Dec 7, 2017 · Amount on Record
Deed Document Number	2017393335
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	406 HILLCREST DR, WATERLOO, IL 62298-1712
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431414
Date	Dec 8, 2023
Instrument	431414

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2033

Interest

Rate Type	Fixed Rate
Rate	8%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	406 HILLCREST DR, WATERLOO, IL 62298-1712
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414482
Date	Jan 25, 2021
Instrument	414482

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Dec 7, 2017
Property Address	406 HILLCREST DR, WATERLOO, IL 62298-1712
Document Number	0000393335
Instrument Date	Dec 7, 2017
Instrument	393335
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	812 W ILLINOIS AVE CARTERVILLE IL 629181349, CARTERVILLE, IL 62918-1349

Mortgage

Document Number	393336
Date	Dec 7, 2017
Instrument	393336

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

Interest

Rate	4.12%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Oct 27, 2017
Property Address	406 HILLCREST DR, WATERLOO, IL 62298-1712
Document Number	0000392661
Instrument Date	Oct 26, 2017
Instrument	392661
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$217.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	214 E HALIFAX DR WATERLOO IL 622985612, WATERLOO, IL 62298-5612

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$72,120 (+14.97%) Land $17,050 Building $55,070	$216,360 (+14.97%) Land $51,150 Building $165,210
2024	$3,661.00
2022	Additional exemption filed	$62,730 Land $15,570 Building $47,160	$188,190 Land $46,710 Building $141,480

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.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 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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