Monroe County property record for 406 Sycamore Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,061 sqft · built 1971 |
| Lot Size | 0.31 acres (13,597 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,394 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-30-303-007-000 |
| Primary APN | 08-30-303-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,061 sqft Living Area |
| 1st Floor Area | 2,061 sqft |
| Basement Area | 2,061 sqft |
| Unfinished Basement | 2,061 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 13,597 sqft (0.31 acres) |
| Garage Area | 631 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,200 sqft |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 711 sqft |
| Patio Area | 956 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 406 SYCAMORE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 34 HARDY ACRES |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 34 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 19 |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 600401 |
Source: Monroe County records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 406 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Jun 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 406 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000417833 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 417833 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 18, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 406 SYCAMORE DR, WATERLOO, IL 62298-1738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000401792 |
|---|---|
| Date | Jun 5, 2019 |
| Instrument | 401792 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $4,394.00 (-1.15%) Homeowner's exemption Senior Citizen's exemption | $86,110 (+39.65%) Land $15,350 Building $70,760 | $258,330 (+39.65%) Land $46,050 Building $212,280 |
| 2024 | $4,445.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $61,660 Land $11,160 Building $50,500 | $184,980 Land $33,480 Building $151,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 475 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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