6478 Lake Forest Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 6478 Lake Forest Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,912 sqft · built 2007
Lot Size	2.61 acres (113,692 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Jun 2025)
Tax Bill	$8,469 (2025)
Deeds & Mortgages	Feb 2026 Construction Loan Sep 2022 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-02-366-014-000`

Property Details

APN / Parcel Number

Primary APN	`11-02-366-014-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,912 sqft Living Area
1st Floor Area	1,912 sqft
Basement Area	1,912 sqft
Unfinished Basement	1,912 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	113,692 sqft (2.61 acres)
Garage Area	900 sqft

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	280 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6478 LAKE FOREST DR
City	WATERLOO
State	IL
Zip	62298-3036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SW SE
Legal Range	09W
Legal Township	03S
Legal Section	02
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2007
Census Tract	600501

Owner

6478 Lake Forest Dr is owned and occupied by two individuals who bought it in June 2025.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Construction Mortgage BANK OF BELLEVILLE
Sep 1, 2022	Warranty Deed, Construction Loan · Construction Mortgage STIFEL BANK & TRUST
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Apr 8, 2019	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK
Oct 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2025 · Amount on File
Deed Sale	Jun 27, 2025 · Amount on File
Prior Sale	Jan 17, 2025 · Amount on File
Deed Document Number	2025438182
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN & COUNTRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441132
Date	Feb 4, 2026
Instrument	441132

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

September 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 1, 2022
Property Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036
Document Number	0000425914
Instrument Date	Aug 31, 2022
Instrument	425914
Transaction Type	Construction Loan
Record Updated	Sep 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036

Mortgage

Document Number	0000425915
Date	Sep 1, 2022
Instrument	425915

Lender

Name	STIFEL BANK & TRUST

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	4%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036
Document Number	0000411020
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6478 LAKE FOREST DR WATERLOO IL 622983036, WATERLOO, IL 62298-3036

Mortgage

Document Number	0000411020
Date	Sep 16, 2020
Instrument	411020

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2040

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 8, 2019
Property Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036
Document Number	0000400750
Map Reference	DOC 159597 PG124
Instrument Date	Apr 5, 2019
Instrument	400750
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$507.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036

Mortgage

Document Number	0000400751
Date	Apr 8, 2019
Instrument	400751

Lender

Name	WELLS FARGO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6478 LAKE FOREST DR, WATERLOO, IL 62298-3036
Document Number	0000392927
Instrument Date	Oct 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6478 LAKE FOREST DR WATERLOO IL 622983036, WATERLOO, IL 62298-3036

Mortgage

Document Number	0000392927
Date	Nov 14, 2017
Instrument	392927

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 13, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 6478 Lake Forest Dr was $8,469, up 7.9% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,469.00 (+7.93%) Homeowner's exemption	$146,320 Land $12,510 Building $133,810	$438,960 Land $37,530 Building $401,430
2024	$7,847.00
2022	Additional exemption filed	$111,670 Land $12,510 Building $99,160	$335,010 Land $37,530 Building $297,480

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 6478 Lake Forest 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	2 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

Wildfire risk around 6478 Lake Forest 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 96% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Wisper ISP.

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