Monroe County property record for 963 Cedar Lake Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 914 sqft · built 1989 |
| Lot Size | 3.98 acres (173,369 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,857 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-011-000 |
| Primary APN | 07-09-301-011-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 914 sqft Building Perimeter |
| 1st Floor Area | 914 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 173,369 sqft (3.98 acres) |
| Garage Area | 484 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 45 sqft |
| Deck Area | 434 sqft |
| Patio Area | 434 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 963 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 11 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 11 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
Source: Monroe County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 963 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK |
| Nov 3, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 963 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000431741 |
|---|---|
| Date | Jan 10, 2024 |
| Instrument | 431741 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 5, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 963 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Document Number | 0000398737 |
| Instrument Date | Nov 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2018 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 963 CEDAR LAKE DR WATERLOO IL 622986002, WATERLOO, IL 62298-6002 |
| Document Number | 0000398737 |
|---|---|
| Date | Nov 14, 2018 |
| Instrument | 398737 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $6,857.00 (+9.15%) Homeowner's exemption | $119,370 (+23.28%) Land $21,360 Building $98,010 | $358,110 (+23.28%) Land $64,080 Building $294,030 |
| 2024 | $6,282.00 | ||
| 2022 | Additional exemption filed | $96,830 Land $21,360 Building $75,470 | $290,490 Land $64,080 Building $226,410 |
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.
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 |
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