431 Hayden Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 431 Hayden Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,427 sqft · built 2023
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$462,610 (Mar 2023)
Tax Bill	$7,879 (2025)
Deeds & Mortgages	Mar 2023 Sale & Construction Loan Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-301-021-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-301-021-000`

Interior

Bedrooms	3 Beds
Building Area	1,427 sqft Living Area
1st Floor Area	1,427 sqft
Basement Area	1,427 sqft
Unfinished Basement	1,427 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	431 HAYDEN DR
City	WATERLOO
State	IL
Zip	62298-1154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 21 NATALIE ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	NATALIE ESTATES
Legal Lot Number	21
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4055
Census Tract	600401

Owner

431 Hayden Dr is owned and occupied by two individuals who bought it in March 2023.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	431 HAYDEN DR, WATERLOO, IL 62298-1154
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Warranty Deed, Construction Loan · Construction Mortgage MIDLAND STATES BANK
Aug 22, 2022	Warranty Deed, Transfer · Commercial Mortgage BANK OF BELLEVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2023 · Amount on File
Deed Sale	Mar 28, 2023 · Amount on File
Prior Sale	Aug 22, 2022 · Amount on File
Deed Document Number	2023428414
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 28, 2023
Property Address	431 HAYDEN DR, WATERLOO, IL 62298-1154
Document Number	0000428414
Map Reference	MB A PG 122
Instrument Date	Mar 24, 2023
Instrument	428414
Transaction Type	Construction Loan
Record Updated	Jun 9, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$694.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4001 STATE ROUTE 159107, SMITHTON, IL 62285

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 HAYDEN DR, WATERLOO, IL 62298-1154

Mortgage

Document Number	0000428415
Date	Mar 28, 2023
Instrument	428415

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.13%
Index	1-Month LIBOR
Margin	3

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 22, 2022
Property Address	431 HAYDEN DR, WATERLOO, IL 62298-1154
Document Number	0000425741
Map Reference	DOC 413650
Instrument Date	Aug 22, 2022
Instrument	425741
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Amount	Amount on Record
Tax	$91.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4001 STATE ROUTE 159107, SMITHTON, IL 62285

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4001 STATE ROUTE 159 STE 107, 107, SMITHTON, IL 62285-2508
Investor	Possibly a Property Investor

Mortgage

Document Number	0000425742
Date	Aug 22, 2022
Instrument	425742

Lender

Name	BANK OF BELLEVILLE

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 431 Hayden Dr was $7,879, up 6.2% from the year before.

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	$7,879.00 (+6.21%) Homeowner's exemption	$134,890 Land $24,360 Building $110,530	$404,670 Land $73,080 Building $331,590
2024	$7,418.00
2022		$520 Land $520	$1,560 Land $1,560

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 431 Hayden Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 431 Hayden Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 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: ClearWave, Wisper ISP.

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