Monroe County property record for 412 Laurel Dr, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1971 |
| Square Footage | 1,537 sqft Living Area |
| Lot Size | 12,113 sqft (0.28 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $250,000 (2022) |
| Tax Bill | $4,285.00 (2024) |
| Primary APN | 08-30-304-012-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 1,537 sqft Living Area |
| 1st Floor | 1,537 sqft 1st Floor |
| Basement Area | 1,537 sqft Basement |
| Unfinished Basement | 1,537 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 12,113 sqft (0.28 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 840 sqft Driveway |
| Garage Area | 638 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 160 sqft Shed |
| Patio Area | 272 sqft Patio |
| Porch Area | 102 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 412 LAUREL DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1714 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 52 & W 5 FT LOT 53 HARDY ACRES |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 52 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 19 |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-30-304-012-000
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 | 412 LAUREL DR, WATERLOO, IL 62298-1714 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit SCOTT CU |
| Mar 07, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Feb 18, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CARROLLTON BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 07, 2022 · Amount on Record |
| Deed Sale | Mar 07, 2022 · Amount on Record |
| Prior Sale | Feb 18, 2020 · Amount on Record |
| Deed Doc Number | 2022422971 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 412 LAUREL DR, WATERLOO, IL 62298-1714 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441562 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 441562 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 09, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 07, 2022 |
| Property Address | 412 LAUREL DR, WATERLOO, IL 62298-1714 |
| Document Number | 0000422971 |
| Map Reference | MB C PG 58 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 422971 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 LAUREL DR, WATERLOO, IL 62298-1714 |
| Document Number | 0000422972 |
|---|---|
| Date | Mar 07, 2022 |
| Instrument | 422972 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 18, 2020 |
| Property Address | 412 LAUREL DR, WATERLOO, IL 62298-1714 |
| Document Number | 0000406190 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 406190 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $324.75 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 412 LAUREL DR, WATERLOO, IL 62298-1714 |
| Document Number | 0000406191 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 406191 |
| Name | CARROLLTON BANK |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.13% |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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 | $84,100 (+7.26%) Land $16,790 Building $67,310 | $252,300 (+7.26%) Land $50,370 Building $201,930 | |
| 2024 | $4,285.00 | $78,405 (+8.41%) Land $16,401 Building $62,004 | $235,215 (+8.41%) Land $49,203 Building $186,012 |
| 2022 | Additional exemption filed | $72,320 Land $15,410 Building $56,910 | $216,960 Land $46,230 Building $170,730 |
412 Laurel Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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