Monroe County property record for 947 Cedar Lake Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,991 sqft · built 1996 |
| Lot Size | 3.44 acres (149,846 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $6,750 (2025) |
| Deeds & Mortgages | May 2026 Transfer Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-012-000 |
| Primary APN | 07-09-301-012-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,991 sqft Living Area |
| 1st Floor Area | 1,991 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 149,846 sqft (3.44 acres) |
| Garage Area | 576 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 172 sqft |
| Patio Area | 156 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 947 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 | LOT 12 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 12 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
947 Cedar Lake Dr is owned by a company that acquired it in May 2026.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 947 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2026 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Sep 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 22, 2026 |
| Transfer Doc | 0000442737 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 26, 2026 |
| Property Address | 947 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Document Number | 0000442737 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026442737 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 947 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 947 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000403387 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 403387 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 947 Cedar Lake Dr was $6,750, up 0.7% 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 | $6,750.00 (+0.73%) Homeowner's exemption | $118,430 (-2.6%) Land $19,620 Building $98,810 | $355,290 (-2.6%) Land $58,860 Building $296,430 |
| 2024 | $6,701.00 | $121,589 Land $20,721 Building $100,868 | $364,767 Land $62,163 Building $302,604 |
| 2022 | Additional exemption filed | $113,820 Land $19,620 Building $94,200 | $341,460 Land $58,860 Building $282,600 |
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.
FEMA maps place 947 Cedar Lake 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 947 Cedar Lake 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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