Monroe County property record for 983 White Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,184 sqft · built 1996 |
| Lot Size | 2.51 acres (109,336 sqft) |
| Owner | Company Name on Record |
| Last Sale | $475,000 (Sep 2026) |
| Tax Bill | $7,328 (2025) |
| Deeds & Mortgages | Sep 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-002-000 |
| Primary APN | 07-09-301-002-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,184 sqft Building Perimeter |
| 1st Floor Area | 956 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 109,336 sqft (2.51 acres) |
| Garage Area | 600 sqft |
| Porch | Slab |
| Porch Area | 220 sqft |
| Patio Area | 234 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 983 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 2 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 2 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 983 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2026 · Amount on Record |
| Deed Sale | Sep 22, 2026 · Amount on Record |
| Deed Document Number | 2026444487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 22, 2026 |
| Property Address | 983 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Document Number | 0000444487 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 2026444487 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $71,962.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 983 WHITE OAK DR, WATERLOO, IL 62298-6007 |
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 | $7,328.00 (+8.61%) Homeowner's exemption | $128,090 (+26.7%) Land $16,620 Building $111,470 | $384,270 (+26.7%) Land $49,860 Building $334,410 |
| 2024 | $6,747.00 | ||
| 2022 | Additional exemption filed | $101,100 Land $16,620 Building $84,480 | $303,300 Land $49,860 Building $253,440 |
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 | None beyond ember reach |
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 |
5G (outdoors only) and 4G LTE
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