Monroe County property record for 466 Mary Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,795 sqft · built 1998 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Jun 2025) |
| Tax Bill | $6,248 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-349-009-000 |
| Primary APN | 07-25-349-009-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,795 sqft Living Area |
| 1st Floor Area | 1,795 sqft |
| Basement Area | 1,795 sqft |
| Unfinished Basement | 1,795 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 525 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 684 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 195 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 466 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 9 LAKEVIEW ESTATES WEST |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LAKEVIEW ESTATES |
| Legal Lot Number | 9 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 27 |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 600501 |
466 Mary Dr is owned and occupied by two individuals who bought it in June 2025.
Source: Monroe County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 466 MARY DR, WATERLOO, IL 62298-1834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WATERLOO |
| Mar 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN EXPERT LLC |
| Jan 9, 2018 | Quit Claim Deed, Transfer · Conventional with PMI HOME LOAN EXPERT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on File |
| Deed Sale | Jun 23, 2025 · Amount on File |
| Deed Document Number | 2025438117 |
| Prior Transfer Date | Apr 5, 2017 |
| Prior Transfer Doc | 0000393815 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 17, 2026 |
| Property Address | 466 MARY DR, WATERLOO, IL 62298-1834 |
| Document Number | 0000443088 |
| Instrument Date | May 28, 2026 |
| Instrument | 2026443088 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 466 MARY DR, WATERLOO, IL 62298-1834 |
| Document Number | 0000443088, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 2026443088 |
| Name | FIRST NATIONAL BANK OF WATERLOO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 466 MARY DR, WATERLOO, IL 62298-1834 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000415832 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 415832 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 9, 2018 |
| Property Address | 466 MARY DR, WATERLOO, IL 62298-1834 |
| Document Number | 0000393815 |
| Instrument Date | Apr 5, 2017 |
| Instrument | 393815 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 466 MARY DR WATERLOO IL 622981834, WATERLOO, IL 62298-1834 |
| Document Number | 393816 |
|---|---|
| Date | Jan 9, 2018 |
| Instrument | 393816 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.37% |
The 2025 property tax bill for 466 Mary Dr was $6,248, up 7.1% from the year before.
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 | $6,248.00 (+7.06%) Homeowner's exemption | $107,390 Land $16,260 Building $91,130 | $322,170 Land $48,780 Building $273,390 |
| 2024 | $5,836.00 | ||
| 2022 | Additional exemption filed | $78,040 Land $15,070 Building $62,970 | $234,120 Land $45,210 Building $188,910 |
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.
FEMA maps place 466 Mary Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1993.
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 |
|
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 risk around 466 Mary Dr is low, with 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 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.
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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