Monroe County property record for 546 Legacy Dr, Waterloo, IL 62298
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $72,000 (Sep 2025) |
| Tax Bill | $54 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Sep 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-249-034-000 |
| Primary APN | 08-19-249-034-000 |
|---|
| Lot Area | 27,007 sqft (0.62 acres) |
|---|
| Street Address | 546 LEGACY DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1706 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | WR2 |
| Legal Description | LOT 34 LEGACY FIRST ADDITION FINAL PLAT |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LEGACY |
| Legal Lot Number | 34 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 600401 |
Source: Monroe County records, as of October 13, 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 Record |
|---|---|
| Mailing Address | 1608 DD RD, COLUMBIA, IL 62236-3834 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Line of Credit FCB BANKS |
| Sep 11, 2025 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Deed Document Number | 2025439238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 546 LEGACY DR, WATERLOO, IL 62298-1706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000440904 |
|---|---|
| Date | Jan 16, 2026 |
| Instrument | 440904 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 11, 2025 |
| Property Address | 546 LEGACY DR, WATERLOO, IL 62298-1706 |
| Document Number | 0000439238 |
| Map Reference | DOC 420112 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 439238 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $108.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1187 N MOORE ST, WATERLOO, IL 62298-5409 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1608 DD RD, COLUMBIA, IL 62236-3834 |
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 | $54.00 (-3.57%) | $900 (-5.26%) Land $900 | $2,700 (-5.26%) Land $2,700 |
| 2024 | $56.00 | $950 (+5.56%) Land $950 | $2,850 (+5.56%) Land $2,850 |
| 2022 | $900 Land $900 | $2,700 Land $2,700 |
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 94% of the US · lower than 61% 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: 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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