Monroe County property record for 601 Legacy Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,203 sqft · built 2023 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $539,000 (Nov 2023) |
| Tax Bill | $10,237 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-249-012-000 |
| Primary APN | 08-19-249-012-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 2,203 sqft Living Area |
| 1st Floor Area | 2,203 sqft |
| Basement Area | 2,203 sqft |
| Unfinished Basement | 2,203 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 22,216 sqft (0.51 acres) |
| Cooling System | Central |
|---|
| Street Address | 601 LEGACY DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1894 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 12 LEGACY FIRST ADDITION FINAL PLAT |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LEGACY |
| Legal Lot Number | 12 |
| 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 | 601 LEGACY DR, WATERLOO, IL 62298-1894 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 19, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION |
| Nov 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION CO LLC |
| Mar 23, 2022 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2023 · Amount on Record |
| Deed Sale | Nov 3, 2023 · Amount on Record |
| Prior Sale | Mar 23, 2022 · Amount on Record |
| Deed Document Number | 2023431076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 19, 2026 |
| Property Address | 601 LEGACY DR, WATERLOO, IL 62298-1894 |
| Document Number | 0000443131 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 2026443131 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 601 LEGACY DR, WATERLOO, IL 62298-1894 |
| Document Number | 0000443131, |
|---|---|
| Date | Jun 19, 2026 |
| Instrument | 2026443131 |
| Name | FIRST COMMUNITY CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate | 5.71% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 3, 2023 |
| Property Address | 601 LEGACY DR, WATERLOO, IL 62298-1894 |
| Document Number | 0000431076 |
| Map Reference | DOC 4201112 |
| Instrument Date | Nov 3, 2023 |
| Instrument | 431076 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $808.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17482 E ARNOLD RD, RICH HILL, MO 64779-8304 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 601 LEGACY DR, WATERLOO, IL 62298-1894 |
| Document Number | 0000431077 |
|---|---|
| Date | Nov 3, 2023 |
| Instrument | 431077 |
| Name | DAS ACQUISITION CO LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.99% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 23, 2022 |
| Property Address | 601 LEGACY DR, WATERLOO, IL 62298-1894 |
| Document Number | 0000423340 |
| Map Reference | DOC 420112 |
| Instrument Date | Mar 16, 2022 |
| Instrument | 423340 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $84.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1187 N MOORE ST, WATERLOO, IL 62298-5409 |
| Name | Verified Name |
|---|---|
| Address | 17482 E ARNOLD RD, RICH HILL, MO 64779-8304 |
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 | $10,237.00 Homeowner's exemption | $173,530 (+23,35%) Land $24,660 Building $148,870 | $520,590 (+23,35%) Land $73,980 Building $446,610 |
| 2024 | $10,237.00 | ||
| 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.
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 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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