410 Laurel Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 410 Laurel Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,370 sqft · built 1976
Lot Size	0.271 acres (11,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Nov 2017)
Tax Bill	$5,129 (2025)
Deeds & Mortgages	May 2019 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-30-304-011-000`

Property Details

APN / Parcel Number

Primary APN	`08-30-304-011-000`
Alternative APN	`08301330201100 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,370 sqft Building Perimeter
1st Floor Area	736 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	11,824 sqft (0.271 acres)
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	931 sqft
Patio Area	437 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	410 LAUREL DR
City	WATERLOO
State	IL
Zip	62298-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 51 HARDY ACRES
Legal Range	09W
Legal Township	02S
Legal Section	30
Legal Subdivision	HARDY ACRES
Legal Lot Number	51
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	2 Individual Names on Record
Mailing Address	410 LAUREL DR, WATERLOO, IL 62298-1714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2019	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Nov 17, 2017	Grant Deed, Transfer · Conventional with PMI CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2017 · Amount on Record
Deed Sale	Nov 17, 2017 · Amount on Record
Deed Document Number	2017392986
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	410 LAUREL DR, WATERLOO, IL 62298-1714
Document Number	0000402352
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	410 LAUREL DR WATERLOO IL 622981714, WATERLOO, IL 62298-1714

Mortgage

Document Number	0000402352
Date	Jul 8, 2019
Instrument	402352

Lender

Name	CENTRAL BK/ST LOUIS
Address	FLINT, MI 48501

Agreement

Amount	Amount Recorded

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Nov 17, 2017
Property Address	410 LAUREL DR, WATERLOO, IL 62298-1714
Document Number	0000392986
Instrument Date	Nov 15, 2017
Instrument	392986
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$291.00
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	410 LAUREL DR WATERLOO IL 622981714, WATERLOO, IL 62298-1714

Mortgage

Document Number	392987
Date	Nov 17, 2017
Instrument	392987

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2047

Interest

Rate	4%

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	$5,129.00 (+1.46%) Homeowner's exemption	$89,810 (+63.47%) Land $16,740 Building $73,070	$269,430 (+63.47%) Land $50,220 Building $219,210
2024	$5,055.00
2022	Additional exemption filed	$54,940 Land $15,370 Building $39,570	$164,820 Land $46,110 Building $118,710

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 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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