453 Hayden Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 453 Hayden Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,274 sqft · built 2022
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$419,992 (Jul 2022)
Tax Bill	$9,344 (2024)
Deeds & Mortgages	Jul 2022 Sale & Construction Loan Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-301-024-000`

Property Details

APN / Parcel Number

Primary APN	`08-19-301-024-000`

Interior

Bedrooms	3 Beds
Building Area	2,274 sqft Living Area
1st Floor Area	2,274 sqft
Basement Area	2,274 sqft
Unfinished Basement	2,274 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	453 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 24 NATALIE ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	19
Legal Subdivision	NATALIE ESTATES
Legal Lot Number	24
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4055
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 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 Record
Mailing Address	453 HAYDEN DR, WATERLOO, IL 62298-1154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Warranty Deed, Construction Loan · Construction Mortgage COMMERCE BANK
Oct 18, 2021	Warranty Deed, Transfer · Commercial Mortgage BANK OF BELLEVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	2022425090
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 11, 2022
Property Address	453 HAYDEN DR, WATERLOO, IL 62298-1154
Document Number	0000425090
Map Reference	DOC 413650
Instrument Date	Jul 8, 2022
Instrument	425090
Transaction Type	Construction Loan
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
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	453 HAYDEN DR, WATERLOO, IL 62298-1154

Mortgage

Document Number	0000425091
Date	Jul 11, 2022
Instrument	425091

Lender

Name	COMMERCE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	4.25%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 18, 2021
Property Address	453 HAYDEN DR, WATERLOO, IL 62298-1154
Document Number	0000420400
Instrument Date	Oct 14, 2021
Instrument	420400
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4001 STATE ROUTE 159 STE 107, 107, SMITHTON, IL 62285-2508

Mortgage

Document Number	0000420401
Date	Oct 18, 2021
Instrument	420401

Lender

Name	BANK OF BELLEVILLE

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$166,960 (+992.67%) Land $24,210 Building $142,750	$500,880 (+992.67%) Land $72,630 Building $428,250
2024	$9,344.00
2022		$15,280 Land $15,280	$45,840 Land $45,840

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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