709 Willow Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 709 Willow Ln, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,344 sqft · built 1968
Lot Size	0.2 acres (8,535 sqft)
Owner	Individual Name on File
Tax Bill	$3,925 (2024)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-302-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-302-011-000`
Alternative APN	`07251330200400 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	8,535 sqft (0.2 acres)
Garage Area	338 sqft
Driveway	Concrete Driveway
Driveway Area	481 sqft
Patio Area	391 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	709 WILLOW LN
City	WATERLOO
State	IL
Zip	62298-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	PART LOT 23 SUNSET ACRES 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SUNSET ACRES
Legal Lot Number	23
Jurisdiction	MONROE IL
Township / Civil Division	27
Census Block Group	3
Census Block	3001
Census Tract	600501

Owner

Source: Monroe County records · APN 07-25-302-011-000

Assessment roll updated August 29, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	709 WILLOW LN, WATERLOO, IL 62298-1811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	709 WILLOW LN, WATERLOO, IL 62298-1811
Document Number	0000407902
Instrument Date	May 01, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN AND COUNTRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	709 WILLOW LN WATERLOO IL 622981811, WATERLOO, IL 62298-1811

Mortgage

Document Number	0000407902
Date	May 11, 2020
Instrument	407902

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 10, 2035

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,190 (+32.66%) Land $16,220 Building $58,970	$225,570 (+32.66%) Land $48,660 Building $176,910
2024	$3,925.00
2022	Additional exemption filed	$56,680 Land $15,050 Building $41,630	$170,040 Land $45,150 Building $124,890

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1993)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 8 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
HTC Holding Fiber · DSL	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

Based on FCC filings for 315 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO serves 10,190 people
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.