4748 Dustys Trl, Waterloo, IL 62298 Property Records

Monroe County property record for 4748 Dustys Trl, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 1,524 sqft · built 2004
Lot Size	2.54 acres (110,642 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,613 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-201-001-000`

Property Details

APN / Parcel Number

Primary APN	`11-26-201-001-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,524 sqft Building Perimeter
1st Floor Area	1,524 sqft
Basement Area	1,524 sqft
Unfinished Basement	1,524 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	110,642 sqft (2.54 acres)
Garage Area	576 sqft
Deck Area	90 sqft
Patio Area	494 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4748 DUSTYS TRL
City	WATERLOO
State	IL
Zip	62298-3544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 1 CLANCEYS CREEK
Legal Range	09W
Legal Township	03S
Legal Section	26
Legal Subdivision	CLANCEY'S CREEK
Legal Lot Number	1
Jurisdiction	MONROE IL
Township / Civil Division	29
Census Block Group	2
Census Block	2059
Census Tract	600501

Owner

4748 Dustys Trl is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	4748 DUSTYS TRL, WATERLOO, IL 62298-3544
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 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUORUM FCU
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE
Mar 13, 2017	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4748 DUSTYS TRL, WATERLOO, IL 62298-3544
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415918
Date	Mar 29, 2021
Instrument	415918

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4748 DUSTYS TRL, WATERLOO, IL 62298-3544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407865
Date	May 11, 2020
Instrument	407865

Lender

Name	QUORUM FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4748 DUSTYS TRL, WATERLOO, IL 62298-3544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403693
Date	Sep 19, 2019
Instrument	403693

Lender

Name	EQUITY PRIME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 13, 2017
Property Address	4748 DUSTYS TRL, WATERLOO, IL 62298-3544
Document Number	0000388734
Instrument Date	Mar 10, 2013
Instrument	388734
Transaction Type	Transfer
Record Updated	Mar 29, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$394.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4748 DUSTYS TRL WATERLOO IL 622983544, WATERLOO, IL 62298-3544

Mortgage

Document Number	388735
Date	Mar 13, 2017
Instrument	388735

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 4748 Dustys Trl was $9,613 with exemptions applied, down 3.5% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,613.00 (-3.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$197,380 Land $12,170 Building $185,210	$592,140 Land $36,510 Building $555,630
2024	$9,966.00
2022	Disabled Person's exemption Veteran's exemption Additional exemption filed	$128,930 Land $12,170 Building $116,760	$386,790 Land $36,510 Building $350,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4748 Dustys Trl 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	2 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 4748 Dustys Trl 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	Direct burnable vegetation

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	30 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Dustys Trl

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