Monroe County property record for 631 Legacy Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,096 sqft · built 2023 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,796 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-249-017-000 |
| Primary APN | 08-19-249-017-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 2,096 sqft Living Area |
| 1st Floor Area | 2,096 sqft |
| Basement Area | 2,096 sqft |
| Unfinished Basement | 2,096 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick/Stone |
| Lot Area | 23,087 sqft (0.53 acres) |
| Cooling System | Central |
|---|
| Street Address | 631 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 17 LEGACY FIRST ADDITION FINAL PLAT |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LEGACY |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 26 |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 600401 |
631 Legacy Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 631 LEGACY DR, WATERLOO, IL 62298-1894 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Oct 21, 2022 | Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 631 LEGACY DR, WATERLOO, IL 62298-1894 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000430490 |
|---|---|
| Date | Sep 12, 2023 |
| Instrument | 430490 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 21, 2022 |
| Property Address | 631 LEGACY DR, WATERLOO, IL 62298-1894 |
| Document Number | 0000426633 |
| Map Reference | DOC 420112 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 426633 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $97.50 |
| 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 | 206 YUKON CT, WATERLOO, IL 62298-5619 |
| Document Number | 0000426634 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 426634 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0000426635 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 426635 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 631 Legacy Dr was $9,796 with a homeowner's exemption, up 11.2% 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 | $9,796.00 (+11.17%) Homeowner's exemption | $171,100 Land $24,630 Building $146,470 | $513,300 Land $73,890 Building $439,410 |
| 2024 | $8,812.00 | ||
| 2022 | $770 Land $770 | $2,310 Land $2,310 |
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 631 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.
The area around 631 Legacy Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 269 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: ClearWave, Wisper ISP.
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