Monroe County property record for 538 Covington Dr, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 6 Baths |
| Year Built | Built 2019 |
| Square Footage | 3,581 sqft Living Area |
| Lot Size | 52,272 sqft (1.2 acres) |
| Garage | 1,080 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $15,425.00 (2024) |
Source: Monroe County records · APN 08-19-133-035-000
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 | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 07, 2022 | Deed of Trust, Mortgage · Building or Construction Mortgage FIRST NATIONAL BANK WATERLOO |
| Dec 05, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Dec 05, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Sep 23, 2019 | Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO |
| Apr 16, 2019 | Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO |
| Apr 24, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000422535 |
|---|---|
| Date | Feb 07, 2022 |
| Instrument | 422535 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Feb 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | COLUMBIA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000405063 |
|---|---|
| Date | Dec 05, 2019 |
| Instrument | 405063 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | COLUMBIA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000405064 |
|---|---|
| Date | Dec 05, 2019 |
| Instrument | 405064 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 23, 2019 |
| Property Address | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 403743 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 08, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 321 HANNAH DR WATERLOO IL 622983260, WATERLOO, IL 62298-3260 |
| Document Number | 0000403743 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 403743 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 16, 2019 |
| Property Address | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Instrument Date | Apr 04, 2019 |
| Instrument | 400900 |
| Transaction Type | Construction Loan |
| Record Updated | May 03, 2019 |
| Title Company | COLUMBIA TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 538 COVINGTON DR WATERLOO IL 622983297, WATERLOO, IL 62298-3297 |
| Document Number | 0000400900 |
|---|---|
| Date | Apr 16, 2019 |
| Instrument | 400900 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 24, 2017 |
| Property Address | 538 COVINGTON DR, WATERLOO, IL 62298-3297 |
| Document Number | 0000389405 |
| Instrument Date | Apr 22, 2017 |
| Instrument | 389405 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $104.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 857 BLAZING STAR DR WATERLOO IL 622983171, WATERLOO, IL 62298-3171 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $261,700 (+33.37%) Land $25,790 Building $235,910 | $785,100 (+33.37%) Land $77,370 Building $707,730 | |
| 2024 | $15,425.00 | ||
| 2022 | $196,220 Land $24,740 Building $171,480 | $588,660 Land $74,220 Building $514,440 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 08-19-133-035-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Building Area | 3,581 sqft Living Area |
| 1st Floor | 3,581 sqft 1st Floor |
| Basement Area | 3,581 sqft Basement |
| Unfinished Basement | 3,581 sqft Unfinished |
| Stories | 1 Stories |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 52,272 sqft (1.2 acres) |
| Garage Area | 1,080 sqft Garage |
| Cooling System | Central Cooling |
|---|
| Street Address | 538 COVINGTON DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3297 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 35 REMLOK PHASE 2 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | REMLOK |
| Legal Lot Number | 35 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 4 |
| Census Block | 4013 |
| Census Tract | 600401 |
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