Monroe County property record for 989 White Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 6 ba · 1,606 sqft · built 1993 |
| Lot Size | 3.09 acres (134,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,075 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-09-301-001-000 |
| Primary APN | 07-09-301-001-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,606 sqft Building Perimeter |
| 1st Floor Area | 1,474 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Frame |
| Lot Area | 134,600 sqft (3.09 acres) |
| Garage Area | 621 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 5,330 sqft |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 876 sqft |
| Porch | Slab |
| Porch Area | 564 sqft |
| Patio Area | 776 sqft |
| Shed | 1 Shed |
| Shed Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 989 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 1 CEDAR LAKE ESTATES 1ST RESUB |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 14 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 600402 |
989 White Oak Dr is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 989 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jan 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 989 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000405670 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 405670 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 20, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 989 WHITE OAK DR, WATERLOO, IL 62298-6007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000405668 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 405668 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 20, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 989 White Oak Dr was $10,075, up 7.6% from the year before.
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 | $10,075.00 (+7.62%) Homeowner's exemption | $173,940 Land $18,490 Building $155,450 | $521,820 Land $55,470 Building $466,350 |
| 2024 | $9,362.00 | ||
| 2022 | Additional exemption filed | $142,560 Land $18,490 Building $124,070 | $427,680 Land $55,470 Building $372,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 989 White Oak 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 989 White Oak Dr is low, with less than 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 94% of the US · lower than 65% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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 19 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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