Monroe County property record for 980 Cedar Lake Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 2,617 sqft · built 1990 |
| Lot Size | 2.58 acres (112,385 sqft) |
| Owner | 2 Trust Names on Record |
| Tax Bill | $7,385 (2025) |
| Deeds & Mortgages | Feb 2021 Construction Loan Jan 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-025-000 |
| Primary APN | 07-09-301-025-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,617 sqft Living Area |
| 1st Floor Area | 2,617 sqft |
| Basement Area | 1,100 sqft |
| Unfinished Basement | 1,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Cathedral/Clerestory |
| Lot Area | 112,385 sqft (2.58 acres) |
| Garage Area | 864 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 1,320 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 143 sqft |
| Gazebo | 122 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 980 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 25 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 25 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 980 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Construction Mortgage SCOTT CU |
| Jan 31, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 980 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000415030 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 415030 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 31, 2017 |
| Property Address | 980 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Document Number | 0000388103 |
| Instrument Date | Jan 30, 2017 |
| Instrument | 388103 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 980 CEDAR LAKE DR WATERLOO IL 622986002, WATERLOO, IL 62298-6002 |
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 | $7,385.00 (+0.82%) Homeowner's exemption | $133,830 (+3.79%) Land $16,840 Building $116,990 | $401,490 (+3.79%) Land $50,520 Building $350,970 |
| 2024 | $7,325.00 | ||
| 2022 | Homeowner's exemption Additional exemption filed | $128,940 Land $16,840 Building $112,100 | $386,820 Land $50,520 Building $336,300 |
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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