454 Mary Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 454 Mary Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,608 sqft · built 1994
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2026)
Tax Bill	$5,496 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-012-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,608 sqft Living Area
1st Floor Area	1,608 sqft
Basement Area	1,608 sqft
Unfinished Basement	1,608 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Lot Area	10,454 sqft (0.24 acres)
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	1,008 sqft

Exterior Amenities

Porch	Slab
Porch Area	63 sqft
Deck Area	160 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	454 MARY DR
City	WATERLOO
State	IL
Zip	62298-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR5
Legal Description	LOT 12 LAKEVIEW ESTATES WEST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	12
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

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	1428 KAWIKA ST, WAHIAWA, HI 96786-7084
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE
Aug 4, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST BANKCENTRE
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jan 24, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST NATIONAL BANK WATERLOO
Mar 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Aug 4, 2022 · Amount on Record
Deed Document Number	2026443510
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 16, 2026
Property Address	454 MARY DR, WATERLOO, IL 62298-1834
Document Number	0000443510
Instrument Date	Jul 15, 2026
Instrument	2026443510
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$49,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000443510,
Date	Jul 16, 2026
Instrument	2026443510

Lender

Name	GUARANTEED RATE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 4, 2022
Property Address	454 MARY DR, WATERLOO, IL 62298-1834
Document Number	0000425497
Map Reference	DOC 175737
Instrument Date	Aug 3, 2022
Instrument	425497
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$493.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 MARY DR, WATERLOO, IL 62298-1834

Mortgage

Document Number	0000425498
Date	Aug 4, 2022
Instrument	425498

Lender

Name	MIDWEST BANKCENTRE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.88%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	454 MARY DR, WATERLOO, IL 62298-1834
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418285
Date	Jul 6, 2021
Instrument	418285

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	454 MARY DR, WATERLOO, IL 62298-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388009
Date	Jan 24, 2017
Instrument	388009

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

Interest

Rate Type	Fixed Rate
Rate	3.5%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	454 MARY DR, WATERLOO, IL 62298-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388905
Date	Mar 23, 2017
Instrument	388905

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	454 MARY DR, WATERLOO, IL 62298-1834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000408655
Date	Jun 12, 2020
Instrument	408655

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jul 1, 2032

Interest

Rate Type	Fixed Rate

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	$5,496.00 (+6.29%) Homeowner's exemption	$95,830 (+2.63%) Land $16,520 Building $79,310	$287,490 (+2.63%) Land $49,560 Building $237,930
2024	$5,171.00	$93,370 (+33.83%) Land $16,190 Building $77,180	$280,110 (+33.83%) Land $48,570 Building $231,540
2022	Additional exemption filed	$69,770 Land $15,230 Building $54,540	$209,310 Land $45,690 Building $163,620

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.

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 Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 138 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

May also be available: Wisper ISP.

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