409 Adams Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 409 Adams Dr, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,472 sqft · built 1979
Lot Size	0.25 acres (10,950 sqft)
Owner	Individual Name on File
Tax Bill	$4,330 (2024)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-352-011-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-352-011-000`
Alternative APN	`08191710401500 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Unfinished Basement	1,472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	10,950 sqft (0.25 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Area	704 sqft
Driveway	Concrete Driveway
Driveway Area	760 sqft
Porch	Slab
Porch Area	95 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 ADAMS DR
City	WATERLOO
State	IL
Zip	62298-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 52 EAST RIDGE 3
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	EAST RIDGE
Legal Lot Number	52
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	1
Census Block	1008
Census Tract	600401

Owner

Source: Monroe County records · APN 08-19-352-011-000

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	Individual Name on File
Mailing Address	409 ADAMS DR, WATERLOO, IL 62298-1505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	409 ADAMS DR, WATERLOO, IL 62298-1505
Transaction Type	Mortgage
Record Updated	Feb 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412747
Date	Nov 24, 2020
Instrument	412747

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 01, 2030

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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		$85,270 (+15.73%) Land $16,650 Building $68,620	$255,810 (+15.73%) Land $49,950 Building $205,860
2024	$4,330.00
2022	Additional exemption filed	$73,680 Land $15,300 Building $58,380	$221,040 Land $45,900 Building $175,140

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.