824 Cheshire Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 824 Cheshire Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,516 sqft · built 2016
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,168 (2025)
Deeds & Mortgages	Mar 2021 Construction Loan Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-101-074-000`

Property Details

APN / Parcel Number

Primary APN	`08-17-101-074-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,516 sqft Living Area
1st Floor Area	1,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	164 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	824 CHESHIRE DR
City	WATERLOO
State	IL
Zip	62298-3358
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR2
Legal Description	LOT 74 COUNTRY CLUB HILLS PHASE 1
Legal Range	09W
Legal Township	02S
Legal Section	17
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	74
Jurisdiction	MONROE IL
Township / Civil Division	26
Census Block Group	4
Census Block	4025
Census Tract	600401

Owner

824 Cheshire 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	824 CHESHIRE DR, WATERLOO, IL 62298-3358
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
Mar 23, 2021	Deed of Trust, Mortgage · Construction Mortgage HOME LOAN EXPERT LLC
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	824 CHESHIRE DR, WATERLOO, IL 62298-3358
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415751
Date	Mar 23, 2021
Instrument	415751

Lender

Name	HOME LOAN EXPERT LLC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	824 CHESHIRE DR, WATERLOO, IL 62298-3358
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000393907
Date	Jan 16, 2018
Instrument	393907

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 19, 2027

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	824 CHESHIRE DR, WATERLOO, IL 62298-3358
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000393292
Date	Dec 5, 2017
Instrument	393292

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	824 CHESHIRE DR, WATERLOO, IL 62298-3358
Document Number	0000406541
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	824 CHESHIRE DR WATERLOO IL 622983358, WATERLOO, IL 62298-3358

Mortgage

Document Number	0000406541
Date	Mar 5, 2020
Instrument	406541

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 824 Cheshire Dr was $6,168, up 9.2% 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	$6,168.00 (+9.19%) Homeowner's exemption	$106,840 Land $16,790 Building $90,050	$320,520 Land $50,370 Building $270,150
2024	$5,649.00
2022	Additional exemption filed	$84,690 Land $15,410 Building $69,280	$254,070 Land $46,230 Building $207,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 824 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 824 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.

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