Monroe County property record for 943 White Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,280 sqft · built 1989 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,932 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-005-000 |
| Primary APN | 07-09-301-005-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,280 sqft |
| Unfinished Basement | 1,280 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Area | 960 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 2,040 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 110 sqft |
| Deck Area | 144 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 943 WHITE OAK DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-6007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | LOT 5 CEDAR LAKE EST 1 RESUB 0233675 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
943 White Oak Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 943 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 943 White Oak Dr was $4,932, up 1.4% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,932.00 (+1.38%) Homeowner's exemption | $87,470 Land $16,580 Building $70,890 | $262,410 Land $49,740 Building $212,670 |
| 2024 | $4,865.00 | ||
| 2022 | $4,900.00 Additional exemption filed | $84,260 Land $16,580 Building $67,680 | $252,780 Land $49,740 Building $203,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 943 White Oak Dr in Zone X, an area of minimal flood risk, though there have been 263 flood claims nearby since 1993.
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 |
|
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 risk around 943 White Oak Dr is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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.
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 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 |
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