929 Cedar Lake Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 929 Cedar Lake Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,076 sqft · built 1992
Lot Size	3.99 acres (173,804 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,631 (2025)
Deeds & Mortgages	Dec 2021 Construction Loan Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-09-301-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-09-301-013-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,076 sqft Living Area
1st Floor Area	2,076 sqft
Basement Area	2,076 sqft
Unfinished Basement	2,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	173,804 sqft (3.99 acres)
Garage Area	506 sqft
Driveway	Asphalt Driveway
Driveway Area	2,676 sqft

Exterior Amenities

Porch	Slab
Porch Area	130 sqft
Deck Area	332 sqft
Patio Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	929 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 LOT 13 CEDAR LAKE ESTATES 1ST RESUB
Legal Range	10W
Legal Township	02S
Legal Section	09
Legal Subdivision	CEDAR LAKE ESTATES
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	14
Census Block Group	2
Census Block	2005
Census Tract	600402

Owner

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	929 CEDAR LAKE DR, WATERLOO, IL 62298-6002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · Construction Mortgage AMERISAVE MORTGAGE CORP
Jul 11, 2019	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	929 CEDAR LAKE DR, WATERLOO, IL 62298-6002
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421263
Date	Dec 3, 2021
Instrument	421263

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	929 CEDAR LAKE DR, WATERLOO, IL 62298-6002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402410
Date	Jul 11, 2019
Instrument	402410

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$6,631.00 (+0.56%) Homeowner's exemption	$121,250 (+11.94%) Land $21,400 Building $99,850	$363,750 (+11.94%) Land $64,200 Building $299,550
2024	$6,594.00
2022	Homeowner's exemption Additional exemption filed	$108,320 Land $21,400 Building $86,920	$324,960 Land $64,200 Building $260,760

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

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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