509 Cathy Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 509 Cathy Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,120 sqft · built 1997
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Oct 2025)
Tax Bill	$4,349 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-452-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-452-017-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Porch	Slab
Porch Area	108 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	509 CATHY DR
City	WATERLOO
State	IL
Zip	62298-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 17 HISTORIC ESTATES 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	HISTORIC ESTATES
Legal Lot Number	17
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4043
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	1690 FAYETTE ST, CARLYLE, IL 62231-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Sep 13, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Sep 13, 2019 · Amount on Record
Deed Document Number	2025439673
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 16, 2025
Property Address	509 CATHY DR, WATERLOO, IL 62298-1403
Document Number	0000439673
Instrument Date	Oct 16, 2025
Instrument	439673
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 CATHY DR, WATERLOO, IL 62298-1403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CATHY DR, WATERLOO, IL 62298-1403

Mortgage

Document Number	0000439674
Date	Oct 16, 2025
Instrument	439674

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 13, 2019
Property Address	509 CATHY DR, WATERLOO, IL 62298-1403
Document Number	0000403558
Instrument Date	Sep 12, 2019
Instrument	403558
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CATHY DR, WATERLOO, IL 62298-1403

Mortgage

Document Number	0000403559
Date	Sep 13, 2019
Instrument	403559

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$81,570 (+2.63%) Land $16,590 Building $64,980	$244,710 (+2.63%) Land $49,770 Building $194,940
2024	$4,349.00 Additional exemption filed	$79,482 (+32.6%) Land $16,253 Building $63,229	$238,446 (+32.6%) Land $48,759 Building $189,687
2022	Additional exemption filed	$59,940 Land $15,280 Building $44,660	$179,820 Land $45,840 Building $133,980

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 98 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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