Monroe County property record for 498 Mary Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,616 sqft · built 1999 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,420 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-349-001-000 |
| Primary APN | 07-25-349-001-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,616 sqft Living Area |
| 1st Floor Area | 1,616 sqft |
| Basement Area | 1,616 sqft |
| Unfinished Basement | 1,616 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 440 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 660 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 144 sqft |
| Patio Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 498 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 1 LAKEVIEW ESTATES WEST |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LAKEVIEW ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 27 |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 600501 |
498 Mary Dr 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 | 498 MARY DR, WATERLOO, IL 62298-1834 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 498 MARY DR, WATERLOO, IL 62298-1834 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000408604 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 408604 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 25, 2030 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 498 Mary Dr was $5,420 with a homeowner's exemption, up 6.6% 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 | $5,420.00 (+6.61%) Homeowner's exemption | $99,380 Land $16,460 Building $82,920 | $298,140 Land $49,380 Building $248,760 |
| 2024 | $5,084.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $72,410 Land $15,200 Building $57,210 | $217,230 Land $45,600 Building $171,630 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 498 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 498 Mary Dr is low, with less than 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 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.
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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