Monroe County property record for 420 Hillcrest Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,674 sqft · built 1966 |
| Lot Size | 0.43 acres (18,704 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,926 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-30-302-008-000 |
| Primary APN | 08-30-302-008-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,674 sqft Building Perimeter |
| 1st Floor Area | 1,674 sqft |
| Basement Area | 1,674 sqft |
| Unfinished Basement | 1,674 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 18,704 sqft (0.43 acres) |
| Garage Area | 506 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,488 sqft |
| Deck Area | 240 sqft |
| Patio Area | 580 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 420 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 19 & PART LOT 8 HARDY ACRES |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | HARDY ACRES |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 19 |
| Census Block Group | 1 |
| Census Block | 1021 |
| 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 | 420 HILLCREST DR, WATERLOO, IL 62298-1712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Oct 24, 2019 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 420 HILLCREST DR, WATERLOO, IL 62298-1712 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000420129 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 420129 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 420 HILLCREST DR, WATERLOO, IL 62298-1712 |
| Document Number | 0000404541 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 420 HILLCREST DR WATERLOO IL 622981712, WATERLOO, IL 62298-1712 |
| Document Number | 0000404541 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 404541 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Nov 3, 2039 |
| Rate | 3.37% |
|---|
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 | $3,926.00 (-0.3%) Homeowner's exemption | $70,100 (+2.4%) Land $17,790 Building $52,310 | $210,300 (+2.4%) Land $53,370 Building $156,930 |
| 2024 | $3,938.00 | ||
| 2022 | Additional exemption filed | $68,460 Land $16,050 Building $52,410 | $205,380 Land $48,150 Building $157,230 |
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.
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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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