Monroe County property record for 904 Creekside Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,948 sqft · built 2018 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $317,000 (Nov 2018) |
| Tax Bill | $7,767 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage Feb 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-267-002-000 |
| Primary APN | 07-26-267-002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,948 sqft Living Area |
| 1st Floor Area | 1,948 sqft |
| Basement Area | 1,948 sqft |
| Unfinished Basement | 1,948 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Area | 825 sqft |
| Cooling System | Central |
|---|
| Street Address | 904 CREEKSIDE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-0079 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 2 CREEKSIDE ESTATES-SECOND ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 600402 |
Source: Monroe County records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 904 CREEKSIDE DR, WATERLOO, IL 62298-0079 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2020 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Feb 8, 2019 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Nov 5, 2018 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage STATE BK/WATERLOO |
| Apr 13, 2018 | Trustee's Deed, Construction Loan · Line of Credit FCB BK |
| Nov 30, 2017 | Warranty Deed, Transfer · Line of Credit FCB BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2018 · Amount on Record |
| Deed Sale | Nov 5, 2018 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 904 CREEKSIDE DR, WATERLOO, IL 62298-0079 |
| Document Number | 0000409362 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 904 CREEKSIDE DR WATERLOO IL 622980079, WATERLOO, IL 62298-0079 |
| Document Number | 0000409362 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 409362 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 13, 2050 |
| Rate | 3% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 904 CREEKSIDE DR, WATERLOO, IL 62298-0079 |
| Document Number | 0000400011 |
| Instrument Date | Feb 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2019 |
| Name | Verified Name |
|---|---|
| Address | 904 CREEKSIDE DR WATERLOO IL 622980079, WATERLOO, IL 62298-0079 |
| Document Number | 0000400011 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 400011 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 18, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 5, 2018 |
| Property Address | 904 CREEKSIDE DR, WATERLOO, IL 62298-0079 |
| Document Number | 0000398600 |
| Instrument Date | Nov 2, 2018 |
| Instrument | 398600 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 21, 2019 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $475.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 904 CREEKSIDE DR WATERLOO IL 62298, WATERLOO, IL 62298 |
| Document Number | 398601 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 398601 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 4, 2048 |
| Rate | 4.87% |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Apr 13, 2018 |
| Property Address | 904 CREEKSIDE DR, WATERLOO, IL 62298-0079 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 395288 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 21, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 808 S MAIN ST #E COLUMBIA IL 622362499, E, COLUMBIA, IL 62236-2499 |
| Document Number | 0000395288 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 395288 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | OFALLON, IL 62269 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 30, 2017 |
| Property Address | 904 CREEKSIDE DR, WATERLOO, IL 62298-0079 |
| Document Number | 0000393191 |
| Instrument Date | Nov 30, 2017 |
| Instrument | 393191 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2019 |
| Title Company | MON CLAIR TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 808 S MAIN ST COLUMBIA IL 622362499, COLUMBIA, IL 62236-2499 |
| Document Number | 393192 |
|---|---|
| Date | Nov 30, 2017 |
| Instrument | 393192 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | O'FALLON, IL 62269 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Nov 29, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $144,950 (+24.48%) Land $16,950 Building $128,000 | $434,850 (+24.48%) Land $50,850 Building $384,000 | |
| 2024 | $7,767.00 | ||
| 2022 | Additional exemption filed | $116,440 Land $15,510 Building $100,930 | $349,320 Land $46,530 Building $302,790 |
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.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO serves 10,190 people · EPA ID IL1330300 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| 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, 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.
Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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