805 Cheshire Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 805 Cheshire Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,560 sqft · built 2008
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$339,900 (Oct 2022)
Tax Bill	$6,114 (2025)
Deeds & Mortgages	Oct 2022 Sale & Construction Loan Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-082-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-082-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	561 sqft
Porch	Slab
Porch Area	36 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	805 CHESHIRE DR
City	WATERLOO
State	IL
Zip	62298-3362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 82 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	82
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4024
Census Tract	600401

Owner

805 Cheshire Dr is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	805 CHESHIRE DR, WATERLOO, IL 62298-3362
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Warranty Deed, Construction Loan · Construction Mortgage GUARANTEED RATE INC
Apr 24, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on File
Deed Sale	Oct 20, 2022 · Amount on File
Prior Sale	Apr 24, 2019 · Amount on File
Deed Document Number	2022426595
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 20, 2022
Property Address	805 CHESHIRE DR, WATERLOO, IL 62298-3362
Document Number	0000426595
Map Reference	DOC 393121
Instrument Date	Oct 20, 2022
Instrument	426595
Transaction Type	Construction Loan
Record Updated	Nov 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 CHESHIRE DR, 805, WATERLOO, IL 62298-3362

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	805 CHESHIRE DR, WATERLOO, IL 62298-3362

Mortgage

Document Number	0000426596
Date	Oct 20, 2022
Instrument	426596

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.99%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 24, 2019
Property Address	805 CHESHIRE DR, WATERLOO, IL 62298-3362
Document Number	0000401052
Instrument Date	Apr 19, 2019
Instrument	401052
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
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	805 CHESHIRE DR WATERLOO IL 622983362, WATERLOO, IL 62298-3362

Mortgage

Document Number	401053
Date	Apr 24, 2019
Instrument	401053

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 805 Cheshire Dr was $6,114, up 5.9% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,114.00 (+5.93%) Homeowner's exemption	$105,960 Land $16,790 Building $89,170	$317,880 Land $50,370 Building $267,510
2024	$5,772.00
2022	Additional exemption filed	$83,310 Land $15,410 Building $67,900	$249,930 Land $46,230 Building $203,700

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 805 Cheshire 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

Wildfire risk around 805 Cheshire 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 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Harrisonville Telephone Company Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

Nearby Properties on Cheshire Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures