907 Cedar Lake Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 907 Cedar Lake Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 2,406 sqft · built 1995
Lot Size	2.77 acres (120,661 sqft)
Owner	2 Individual Names on File
Last Sale	$338,000 (Mar 2018)
Tax Bill	$8,065 (2024)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-09-301-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-09-301-017-000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,406 sqft Living Area
1st Floor Area	2,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	120,661 sqft (2.77 acres)
Garage Area	858 sqft
Driveway	Asphalt Driveway
Driveway Area	1,617 sqft

Exterior Amenities

Porch	Slab
Porch Area	364 sqft
Deck Area	328 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	907 CEDAR LAKE DR
City	WATERLOO
State	IL
Zip	62298-6002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART LOTS 17 & 18 CEDAR LAKE ESTATES 1ST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	09
Legal Subdivision	CEDAR LAKE ESTATES
Legal Lot Number	17,18
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2005
Census Tract	600402

Owner

Source: Monroe County assessment roll, as of August 29, 2025

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 File
Mailing Address	907 CEDAR LAKE DR, WATERLOO, IL 62298-6002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Record Updated	Sep 20, 2026

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Mar 29, 2018
Property Address	907 CEDAR LAKE DR, WATERLOO, IL 62298-6002
Document Number	0000395066
Map Reference	DOC 151735
Instrument Date	Feb 19, 2018
Instrument	395066
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$507.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 CEDAR LAKE DR, WATERLOO, IL 62298-6002

Mortgage

Document Number	0000395067
Date	Mar 29, 2018
Instrument	395067

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$141,820 (+3.89%) Land $17,460 Building $124,360	$425,460 (+3.89%) Land $52,380 Building $373,080
2024	$8,065.00 (-1.3%)
2022	$8,171.00 Additional exemption filed	$136,510 Land $17,460 Building $119,050	$409,530 Land $52,380 Building $357,150

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

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	1 in force
Nearby Flood Claims	263 (1993–2019)
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 9 claims Severe Storms & Flooding, Oct 1993 · 252 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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