511 Mary Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 511 Mary Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,317 sqft · built 1976
Lot Size	0.23 acres (9,936 sqft)
Owner	Individual Name on Record
Last Sale	$277,500 (Nov 2025)
Tax Bill	$4,184 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-382-038-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-382-038-000`
Alternative APN	`07251830101300 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,317 sqft Building Perimeter
1st Floor Area	667 sqft
Upper Floors Area	650 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,936 sqft (0.23 acres)
Garage Area	416 sqft
Driveway	Concrete Driveway
Driveway Area	608 sqft
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	511 MARY DR
City	WATERLOO
State	IL
Zip	62298-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 13 LAKEVIEW ESTATES
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LAKEVIEW ESTATES
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4009
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	511 MARY DR, WATERLOO, IL 62298-1401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Deed Document Number	2025440011
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 10, 2025
Property Address	511 MARY DR, WATERLOO, IL 62298-1401
Document Number	0000440011
Map Reference	MB C-2 PG 127
Instrument Date	Nov 7, 2025
Instrument	440011
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 MARY DR, WATERLOO, IL 62298-1401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 MARY DR, WATERLOO, IL 62298-1401

Mortgage

Document Number	0000440012
Date	Nov 10, 2025
Instrument	440012

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.6%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	511 MARY DR, WATERLOO, IL 62298-1401
Document Number	0000407460
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 MARY DR WATERLOO IL 622981401, WATERLOO, IL 62298-1401

Mortgage

Document Number	0000407460
Date	Apr 21, 2020
Instrument	407460

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 20, 2035

Interest

Rate Type	Fixed Rate
Rate	2.99%

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		$79,860 (+4.13%) Land $16,360 Building $63,500	$239,580 (+4.13%) Land $49,080 Building $190,500
2024	$4,184.00 Additional exemption filed	$76,694 (+29.05%) Land $16,053 Building $60,641	$230,082 (+29.05%) Land $48,159 Building $181,923
2022	Additional exemption filed	$59,430 Land $15,140 Building $44,290	$178,290 Land $45,420 Building $132,870

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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