486 Mary Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 486 Mary Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,562 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$5,034 (2024)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-004-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,562 sqft Living Area
1st Floor Area	1,562 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Garage Area	504 sqft
Driveway	Concrete Driveway
Driveway Area	612 sqft
Porch	Slab
Porch Area	364 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	486 MARY DR
City	WATERLOO
State	IL
Zip	62298-1834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 4 LAKEVIEW ESTATES WEST
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	4
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3006
Census Tract	600501

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	486 MARY DR, WATERLOO, IL 62298-1834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Oct 30, 2017	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 12, 2024
Transfer Doc	0000432403
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Mar 13, 2024
Property Address	486 MARY DR, WATERLOO, IL 62298-1834
Document Number	0000432403
Map Reference	DOC 154602
Instrument Date	Mar 1, 2024
Instrument	432403
Transaction Type	Transfer
Record Updated	Mar 27, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 PARK ST, WATERLOO, IL 62298-1856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 MARY DR, WATERLOO, IL 62298-1834

Mortgage

Document Number	0000432404
Date	Mar 13, 2024
Instrument	432404

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	486 MARY DR, WATERLOO, IL 62298-1834
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422539
Date	Feb 7, 2022
Instrument	422539

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Oct 30, 2017
Property Address	486 MARY DR, WATERLOO, IL 62298-1834
Document Number	0000392691
Map Reference	ENV170-A PG 575
Instrument Date	Oct 27, 2017
Instrument	392691
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Amount Accuracy	Calculated from Transfer Tax
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	486 MARY DR, WATERLOO, IL 62298-1834

Mortgage

Document Number	0000392692
Date	Oct 30, 2017
Instrument	392692

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

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		$93,340 (+36.7%) Land $16,260 Building $77,080	$280,020 (+36.7%) Land $48,780 Building $231,240
2024	$5,034.00
2022	Additional exemption filed	$68,280 Land $15,070 Building $53,210	$204,840 Land $45,210 Building $159,630

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 98% of the US · lower than 86% 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 315 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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