Monroe County property record for 535 Covington Dr, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,711 sqft Living Area |
| Lot Size | 41,382 sqft (0.95 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $665,000 (2022) |
| Tax Bill | $12,939.00 (2024) |
| Primary APN | 08-19-133-042-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 2,711 sqft Living Area |
| 1st Floor | 2,711 sqft 1st Floor |
| Basement Area | 2,711 sqft Basement |
| Unfinished Basement | 2,711 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 41,382 sqft (0.95 acres) |
| Garage Area | 1,135 sqft Garage |
| Cooling System | Central Cooling |
|---|
| Street Address | 535 COVINGTON DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3296 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 42 REMLOK PHASE 2 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | REMLOK |
| Legal Lot Number | 42 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 4 |
| Census Block | 4039 |
| Census Tract | 600401 |
Source: Monroe County records · APN 08-19-133-042-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 01, 2022 | Warranty Deed, Construction Loan · Building or Construction Mortgage MIDLAND STATES BANK |
| Aug 10, 2020 | Deed of Trust, Mortgage FIRST ST BK/CAMPBELL HILL |
| Aug 17, 2018 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Aug 17, 2018 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Oct 10, 2017 | Trustee's Deed, Construction Loan · Building or Construction Mortgage STATE BK/WATERLOO |
| Apr 27, 2018 | Trustee's Deed, Construction Loan · Line of Credit STATE BK/WATERLOO |
| Jun 19, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 01, 2022 · Amount on Record |
| Deed Sale | Nov 01, 2022 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 01, 2022 |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Document Number | 0000426771 |
| Map Reference | DOC 291073 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 426771 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 09, 2026 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $997.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Document Number | 0000426772 |
|---|---|
| Date | Nov 01, 2022 |
| Instrument | 426772 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.63% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.63% |
| Index | 1-Month LIBOR |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Document Number | 0000410282 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 535 COVINGTON DR WATERLOO IL 622983296, WATERLOO, IL 62298-3296 |
| Document Number | 0000410282 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 410282 |
| Name | FIRST ST BK/CAMPBELL HILL |
|---|---|
| Type | Bank |
| Address | CAMPBELL HILL, IL 62916 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 17, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Document Number | 0000397658 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 535 COVINGTON DR WATERLOO IL 622983296, WATERLOO, IL 62298-3296 |
| Document Number | 0000397658 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 397658 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 30, 2048 |
| Rate | 4.62% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Document Number | 0000397659 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 535 COVINGTON DR WATERLOO IL 622983296, WATERLOO, IL 62298-3296 |
| Document Number | 0000397659 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 397659 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 30, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.01% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 10, 2017 |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Instrument Date | Oct 02, 2017 |
| Instrument | 392370 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 24, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3719 CLOVER DELL LN WATERLOO IL 622982133, WATERLOO, IL 62298-2133 |
| Document Number | 0000392370 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 392370 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 09, 2018 |
| Rate | 2.98% |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 27, 2018 |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Instrument Date | Oct 02, 2017 |
| Instrument | 395519 |
| Transaction Type | Construction Loan |
| Record Updated | May 02, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3719 CLOVER DELL LN WATERLOO IL 622982133, WATERLOO, IL 62298-2133 |
| Document Number | 0000395519 |
|---|---|
| Date | Apr 27, 2018 |
| Instrument | 395519 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 26, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.98% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 19, 2017 |
| Property Address | 535 COVINGTON DR, WATERLOO, IL 62298-3296 |
| Document Number | 0000390438 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 390438 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $94.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3719 CLOVER DELL LN WATERLOO IL 622982133, WATERLOO, IL 62298-2133 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $227,080 (+39.94%) Land $25,240 Building $201,840 | $681,240 (+39.94%) Land $75,720 Building $605,520 | |
| 2024 | $12,939.00 | ||
| 2022 | Additional exemption filed | $162,270 Land $22,760 Building $139,510 | $486,810 Land $68,280 Building $418,530 |
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