Monroe County property record for 582 Legacy Dr, Waterloo, IL 62298
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $87,500 (Apr 2025) |
| Tax Bill | $45 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-249-028-000 |
| Primary APN | 08-19-249-028-000 |
|---|
| Lot Area | 22,216 sqft (0.51 acres) |
|---|
| Street Address | 582 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 28 LEGACY FIRST ADDITION FINAL PLAT |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LEGACY |
| Legal Lot Number | 28 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 600401 |
582 Legacy Dr, vacant land, is owned by two individuals who bought it in April 2025.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 227 SUBURBAN DR, SMITHTON, IL 62285-3052 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2025 · Amount on File |
| Deed Sale | Apr 24, 2025 · Amount on File |
| Deed Document Number | 2025437308 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 27, 2026 |
| Property Address | 582 LEGACY DR, WATERLOO, IL 62298-1706 |
| Document Number | 0000442752 |
| Instrument Date | May 20, 2026 |
| Instrument | 2026442752 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 582 LEGACY DR, WATERLOO, IL 62298-1706 |
| Document Number | 0000442752, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 2026442752 |
| Name | MIDLAND STATES BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 582 Legacy Dr was $45, down 2.2% 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 | $45.00 (-2.17%) | $740 (-5.37%) Land $740 | $2,220 (-5.37%) Land $2,220 |
| 2024 | $46.00 | $782 Land $782 | $2,346 Land $2,346 |
| 2022 | $740 Land $740 | $2,220 Land $2,220 |
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 582 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 582 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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