Monroe County property record for 500 Legacy Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 20 bd · 2,302 sqft · built 2020 |
| Lot Size | 1.79 acres (77,972 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,500,000 (May 2026) |
| Tax Bill | $36,580 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-265-106-000 |
| Primary APN | 08-19-265-106-000 |
|---|
| Bedrooms | 20 Beds |
|---|---|
| Building Area | 2,302 sqft Living Area |
| 1st Floor Area | 2,302 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Lot Area | 77,972 sqft (1.79 acres) |
| Garage Area | 630 sqft |
| Cooling System | Central |
|---|
| Street Address | 500 LEGACY DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR5 |
| Legal Description | LOT 6B RESUBDIVISION LOT 6 OF LEGACY AMENDED |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LEGACY |
| Legal Lot Number | 6B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 600401 |
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 300 HUNTER AVE, 200, SAINT LOUIS, MO 63124-2094 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Jun 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| May 12, 2026 | Deed, Transfer · Conventional Mortgage FIRST AMERICAN TITLE |
| Jun 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Aug 28, 2020 | Deed of Trust, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Deed Document Number | 2026442510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 500 LEGACY DR, WATERLOO, IL 62298-1706 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000417751 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 417751 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 500 LEGACY DR, WATERLOO, IL 62298-1706 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000424830 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 424830 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 12, 2026 |
| Property Address | 500 LEGACY DR, WATERLOO, IL 62298-1706 |
| Document Number | 0000442510 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026.442510 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $378,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Number | 0000442510, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026.442510 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 70 Months |
| Due | Mar 5, 2032 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 500 LEGACY DR, WATERLOO, IL 62298-1793 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000424830 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 424830 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 28, 2020 |
| Property Address | LEGACY DR, WATERLOO, IL 62298 |
| Document Number | 0000410548 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 410548 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 11, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Document Number | 0000410548 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 410548 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | 1421 N MAIN ST, COLUMBIA, IL 62236-1035 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $36,580.00 (+12.88%) | $599,490 (+9.5%) Land $27,030 Building $572,460 | $1,798,470 (+9.5%) Land $81,090 Building $1,717,380 |
| 2024 | $32,405.00 | $547,461 (+62.29%) Land $24,977 Building $522,484 | $1,642,383 (+62.29%) Land $74,931 Building $1,567,452 |
| 2022 | $337,330 Land $21,830 Building $315,500 | $1,011,990 Land $65,490 Building $946,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 5 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.
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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 31 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 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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