497 Mary Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 497 Mary Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,640 sqft · built 1995
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2026)
Tax Bill	$4,620 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-349-030-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-349-030-000`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,583 sqft (0.22 acres)
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	665 sqft

Exterior Amenities

Porch	Slab
Porch Area	344 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	497 MARY DR
City	WATERLOO
State	IL
Zip	62298-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 30 LAKEVIEW ESTATES WEST
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	30
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3010
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	602 W SOUTH ST, STEELEVILLE, IL 62288-1927
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Special Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION CO LLC
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Feb 10, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Feb 10, 2020 · Amount on Record
Deed Document Number	2026441978
Prior Transfer Date	Feb 7, 2020
Prior Transfer Doc	0000406089
Record Updated	Oct 29, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 6, 2026
Property Address	497 MARY DR, WATERLOO, IL 62298-1833
Document Number	0000441978
Instrument Date	Apr 3, 2026
Instrument	2026441978
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	602 W SOUTH ST, STEELEVILLE, IL 62288-1927

Mortgage

Document Number	0000441979,
Date	Apr 6, 2026
Instrument	2026441979

Lender

Name	DAS ACQUISITION CO LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	497 MARY DR, WATERLOO, IL 62298-1833
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416265
Date	Apr 8, 2021
Instrument	416265

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Feb 10, 2020
Property Address	497 MARY DR, WATERLOO, IL 62298-1833
Document Number	0000406089
Instrument Date	Feb 7, 2020
Instrument	406089
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 BRIARCLIFF DR, 406, WATERLOO, IL 62298-1664

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	497 MARY DR, WATERLOO, IL 62298-1833

Mortgage

Document Number	0000406090
Date	Feb 10, 2020
Instrument	406090

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,620.00 (-2.53%)	$81,480 (-5.35%) Land $15,240 Building $66,240	$244,440 (-5.35%) Land $45,720 Building $198,720
2024	$4,740.00	$86,083 (+16.2%) Land $16,095 Building $69,988	$258,249 (+16.2%) Land $48,285 Building $209,964
2022	Additional exemption filed	$74,080 Land $15,140 Building $58,940	$222,240 Land $45,420 Building $176,820

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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.

Nearby Properties on Mary Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures