440 Hayden Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 440 Hayden Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,175 sqft · built 2022
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (May 2022)
Tax Bill	$10,397 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`08-19-301-019-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-301-019-000`

Interior

Bedrooms	3 Beds
Building Area	2,175 sqft Living Area
1st Floor Area	2,175 sqft
Basement Area	2,175 sqft
Unfinished Basement	2,175 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	14,810 sqft (0.34 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	440 HAYDEN DR
City	WATERLOO
State	IL
Zip	62298-1094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 19 NATALIE ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	NATALIE ESTATES
Legal Lot Number	19
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4055
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	440 HAYDEN DR, WATERLOO, IL 62298-1094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PROPER RATE LLC
Jan 28, 2021	Special Warranty Deed, Construction Loan · Construction Mortgage BANK OF BELLEVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Prior Sale	Jan 28, 2021 · Amount on Record
Deed Document Number	2022424255
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 13, 2022
Property Address	440 HAYDEN DR, WATERLOO, IL 62298-1094
Document Number	0000424255
Map Reference	MB A PG 122
Instrument Date	May 13, 2022
Instrument	424255
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$697.50
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	440 HAYDEN DR, WATERLOO, IL 62298-1094

Mortgage

Document Number	0000424256
Date	May 13, 2022
Instrument	424256

Lender

Name	PROPER RATE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.45%

January 2021: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 28, 2021
Property Address	440 HAYDEN DR, WATERLOO, IL 62298-1094
Document Number	0000414574
Map Reference	DOC 413650
Instrument Date	Jan 28, 2021
Instrument	414574
Transaction Type	Construction Loan
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Tax	$91.50
Amount Accuracy	Full Amount Stated
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	0000414575
Date	Jan 28, 2021
Instrument	414575

Lender

Name	BANK OF BELLEVILLE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$10,397.00 (+4.85%)	$170,390 (+988.75%) Land $24,340 Building $146,050	$511,170 (+988.75%) Land $73,020 Building $438,150
2024	$9,916.00
2022		$15,650 Land $15,650	$46,950 Land $46,950

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

Flood

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

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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