408 Hillcrest Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 408 Hillcrest Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,392 sqft · built 1966
Lot Size	0.31 acres (13,713 sqft)
Owner	Individual Name on Record
Last Sale	$167,900 (Sep 2020)
Tax Bill	$4,706 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-30-302-003-000`

Property Details

APN / Parcel Number

Primary APN	`08-30-302-003-000`
Alternative APN	`08301330300600 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	1,392 sqft
Unfinished Basement	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	13,713 sqft (0.31 acres)
Garage Area	696 sqft
Driveway	Asphalt Driveway
Driveway Area	2,002 sqft
Porch	Slab
Porch Area	144 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	408 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 13 HARDY ACRES
Legal Range	09W
Legal Township	02S
Legal Section	30
Legal Subdivision	HARDY ACRES
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	19
Census Block Group	1
Census Block	1021
Census Tract	600401

Owner

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	Individual Name on Record
Mailing Address	408 HILLCREST DR, WATERLOO, IL 62298-1712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	2020411370
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 29, 2020
Property Address	408 HILLCREST DR, WATERLOO, IL 62298-1712
Document Number	0000411370
Instrument Date	Sep 23, 2020
Instrument	411370
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	408 HILLCREST DR, WATERLOO, IL 62298-1712

Mortgage

Document Number	0000411371
Date	Sep 29, 2020
Instrument	411371

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$4,706.00 (+8.21%) Homeowner's exemption	$82,890 (+33.89%) Land $17,050 Building $65,840	$248,670 (+33.89%) Land $51,150 Building $197,520
2024	$4,349.00
2022	Additional exemption filed	$61,910 Land $15,570 Building $46,340	$185,730 Land $46,710 Building $139,020

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.

Nearby Properties on Hillcrest Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures