Monroe County property record for 576 Legacy Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Trust Name on File |
| Last Sale | $61,950 (Dec 2023) |
| Tax Bill | $8,587 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Dec 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-249-029-000 |
| Primary APN | 08-19-249-029-000 |
|---|
| Lot Area | 21,780 sqft (0.5 acres) |
|---|
| Street Address | 576 LEGACY DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 29 LEGACY FIRST ADDITION FINAL PLAT |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LEGACY |
| Legal Lot Number | 29 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 600401 |
576 Legacy Dr is owner-occupied and held in a trust since December 2023.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 576 LEGACY DR, WATERLOO, IL 62298-1706 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 21, 2024 | Deed of Trust, Mortgage · Line of Credit FCB BANKS |
| Dec 21, 2023 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2023 · Amount on File |
| Deed Sale | Dec 21, 2023 · Amount on File |
| Deed Document Number | 2023431570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 576 LEGACY DR, WATERLOO, IL 62298-1706 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000432176 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 432176 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 21, 2023 |
| Property Address | 576 LEGACY DR, WATERLOO, IL 62298-1706 |
| Document Number | 0000431570 |
| Map Reference | DOC 420112 |
| Instrument Date | Dec 20, 2023 |
| Instrument | 431570 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $93.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1187 N MOORE ST, WATERLOO, IL 62298-5409 |
| Name | Verified Name |
|---|---|
| Address | 731 RIDGE RD, WATERLOO, IL 62298-3165 |
The 2025 property tax bill for 576 Legacy Dr was $8,587, up 502.6% from the year before.
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 | $8,587.00 (+502.6%) Homeowner's exemption | $146,480 Land $24,610 Building $121,870 | $439,440 Land $73,830 Building $365,610 |
| 2024 | $1,425.00 | ||
| 2022 | $730 Land $730 | $2,190 Land $2,190 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 576 Legacy Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 576 Legacy Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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