Monroe County property record for 955 White Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,148 sqft · built 1993 |
| Lot Size | 2.51 acres (109,336 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $6,503 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-004-000 |
| Primary APN | 07-09-301-004-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,148 sqft Living Area |
| 1st Floor Area | 2,148 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 109,336 sqft (2.51 acres) |
| Garage Area | 980 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,600 sqft |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 800 sqft |
| Porch | Slab |
| Porch Area | 64 sqft |
| Patio Area | 1,308 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 955 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 4 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 4 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
Source: Monroe County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 955 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 9, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Sep 8, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 7, 2023 |
| Transfer Doc | 0000430459 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 955 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000439579 |
|---|---|
| Date | Oct 9, 2025 |
| Instrument | 439579 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 8, 2023 |
| Property Address | 955 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Document Number | 0000430459 |
| Map Reference | DOC 151735 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 430459 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 955 WHITE OAK DR, WATERLOO, IL 62298-6007 |
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $119,890 (+3.76%) Land $16,620 Building $103,270 | $359,670 (+3.76%) Land $49,860 Building $309,810 | |
| 2024 | $6,503.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $115,540 (+8.23%) Land $16,620 Building $98,920 | $346,620 (+8.23%) Land $49,860 Building $296,760 |
| 2021 | Additional exemption filed | $106,750 Land $16,620 Building $90,130 | $320,250 Land $49,860 Building $270,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures