Monroe County property record for 905 Creekside Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,785 sqft |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Feb 2019) |
| Tax Bill | $7,300 (2025) |
| Deeds & Mortgages | May 2017 Construction Loan Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-26-266-089-000 |
| Primary APN | 07-26-266-089-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,785 sqft Living Area |
| 1st Floor Area | 1,785 sqft |
| Basement Area | 1,785 sqft |
| Unfinished Basement | 1,785 sqft |
| Lot Area | 18,295 sqft (0.42 acres) |
|---|---|
| Garage Area | 598 sqft |
| Cooling System | Central |
|---|
| Street Address | 905 CREEKSIDE DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-0078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 89 CREEKSIDE ESTATES 1ST ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | CREEKSIDE ESTATES |
| Legal Lot Number | 89 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 17 |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 600402 |
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 905 CREEKSIDE DR, WATERLOO, IL 62298-0078 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2017 | Deed of Trust, Mortgage · Construction Mortgage FIRST COUNTY BANK |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Feb 19, 2019 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BK&TR |
| Jan 22, 2019 | Loan Modification, Mortgage · Conventional with PMI FCB BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2019 · Amount on Record |
| Deed Sale | Feb 19, 2019 · Amount on Record |
| Prior Sale | May 23, 2017 · Amount on Record |
| Deed Document Number | 2019399998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 905 CREEKSIDE DR, WATERLOO, IL 62298-0078 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000389976 |
|---|---|
| Date | May 23, 2017 |
| Instrument | 389976 |
| Name | FIRST COUNTY BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jan 22, 2019 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 905 CREEKSIDE DR, WATERLOO, IL 62298-0078 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000412723 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 412723 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 19, 2019 |
| Property Address | 905 CREEKSIDE DR, WATERLOO, IL 62298-0078 |
| Document Number | 0000399998 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 399998 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 8, 2019 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 905 CREEKSIDE DR WATERLOO IL 622980078, WATERLOO, IL 62298-0078 |
| Document Number | 399999 |
|---|---|
| Date | Feb 19, 2019 |
| Instrument | 399999 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | ST LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 18, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 905 CREEKSIDE DR, WATERLOO, IL 62298-0078 |
| Document Number | 0000399823 |
| Instrument Date | Jan 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 808 S MAIN ST #E COLUMBIA IL 622362499, E, COLUMBIA, IL 62236-2499 |
| Document Number | 0000399823 |
|---|---|
| Date | Feb 5, 2019 |
| Instrument | 399823 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | O'FALLON, IL 62269 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Monroe County assessment roll, as of October 13, 2026
| 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 | $7,300.00 (+9.36%) Homeowner's exemption | $125,400 (+27.25%) Land $17,750 Building $107,650 | $376,200 (+27.25%) Land $53,250 Building $322,950 |
| 2024 | $6,675.00 | ||
| 2022 | Additional exemption filed | $98,550 Land $15,980 Building $82,570 | $295,650 Land $47,940 Building $247,710 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures