Monroe County property record for 987 Cedar Lake Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,270 sqft · built 1993 |
| Lot Size | 2.91 acres (126,760 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,492 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-010-000 |
| Primary APN | 07-09-301-010-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,270 sqft Living Area |
| 1st Floor Area | 2,270 sqft |
| Basement Area | 2,270 sqft |
| Unfinished Basement | 2,270 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Frame |
| Lot Area | 126,760 sqft (2.91 acres) |
| Garage Area | 598 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 2,925 sqft |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 800 sqft |
| Porch | Slab |
| Porch Area | 296 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 987 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 10 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 10 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
987 Cedar Lake Dr is owned and occupied by an individual.
Source: Monroe County records, as of October 13, 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 | Individual Name on File |
|---|---|
| Mailing Address | 987 CEDAR LAKE DR, WATERLOO, IL 62298-6002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $7,492.00 (+0.73%) Homeowner's exemption | $130,820 (+3.71%) Land $17,910 Building $112,910 | $392,460 (+3.71%) Land $53,730 Building $338,730 |
| 2024 | $7,438.00 | ||
| 2022 | Additional exemption filed | $126,140 Land $17,910 Building $108,230 | $378,420 Land $53,730 Building $324,690 |
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 987 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 987 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures