Sold315d on market
1004 Cottonwood Ln
Waterloo, IL, 62298 • 62298 • Monroe County
$283,000
$212/sqft
2Beds
2Baths
1,334Sqft
0.21 acLot
2006Built
Property DNA
Traditional,Ranch Style
Built 2006 · 20 years of history
Silvercreek Crossing
62298
Outdoor Living
Deck · Patio
2-Car Garage
Attached · Garage
Premium Finishes
Walk-In Closet(s)
This home is in high demand
Listed 315 days ago · Top 0% likely to sell soon
Market activity
Demand and pricing signals for this listing
315 days on market
Established listing
$212/sqft
Price per square foot
Selling Soon Prediction
Very HighThis home ranks in the top 0% of listings most likely to go under contract soon, based on market activity and demand signals.
Likelihood score
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About this home
Single Family · Built 2006
Don't miss this pristine, one-owner ranch in desirable Waterloo, IL! Boasting an open floor plan, this well maintained home features updated LVP and LVT flooring (5yrs), plus fresh carpeting on the stairs and in all bedrooms (installed April '25). Enjoy the spacious living room and kitchen with a striking beamed vault ceiling. The kitchen offers abundant cabinetry, counter space, a tiered breakfast bar, and a pantry. All appliances (gas range, microwave, dishwasher) are included. Step outside to a maintenance-free deck with a gazebo and pull-down shades. The primary suite features a walk-in closet, ceiling fan, and a roomy bathroom with a double vanity and walk-in shower. A convenient hall bath includes a tub/shower combo. Main floor laundry adds to the ease of living. The full walk-out basement, with two windows, presents excellent potential for two additional bedrooms and already has a gas wall furnace, bathroom rough-in, radon mitigation system, and a patio at the walk out.
Standout features identified
Our analysis highlights full walk-out basement, bathroom rough-in, and radon mitigation system as key attractions of this home.
Estimated monthly payment
Based on current rates
$1,774/month
Principal & Interest$1,393
Property Tax$283
Insurance$94
HOA$4
Down payment20% ($56,600)
3%50%
Est. 6.24% rate · 30yr fixed · $226,400 loan
Full calculator →At a glance
Key facts and listing details
TypeSingle Family Residence
Year Built2006
HeatingForced Air, Natural Gas
CoolingCentral Air, Electric
Parking2 Attached Garage spaces
HOA$50 annually
Lot9,147 sqft
Property
Home typeSingle Family
Sub-typeSingle Family Residence
StyleTraditional,Ranch
Year built2006
Systems
HeatingForced Air, Natural Gas
CoolingCentral Air, Electric
ConstructionBrick Veneer, Vinyl Siding
Water / SewerPublic / Public Sewer
Parking & Outdoor
ParkingAttached, Garage
Garage2 spaces
BasementFull,Unfinished,Walk-Out Access
Lot9,147 sqft
Location & Tax
Neighborhood62298
Annual tax$3,877
Parcel0735265028000
Bathrooms & Fees
Full baths2
HOA$4/mo
Features & details
9 categories of property features
Interior Features
Interior
Kitchen/Dining Room Combo
Open Floorplan
Vaulted Ceiling(s)
Walk-In Closet(s)
Eat-in Kitchen
Appliances
Dishwasher
Microwave
Range
Other
Gas Water Heater
Heating
Forced Air
Natural Gas
Cooling
Central Air
Electric
Laundry
Main Level
Exterior Features
Parking
Attached
Garage
Construction
Brick Veneer
Vinyl Siding
Patio & Porch
Deck
Patio
Utilities
Underground Utilities
Room details
7 rooms detailed
Primary Bedroom
17×12 ft204 sqft
Floor Covering: Carpeting
Bedroom
Main13×9 ft117 sqft
Floor Covering: CarpetingWall Covering: Some
Primary Bathroom
12×6 ft72 sqft
Floor Covering: Luxury Vinyl Tile
Bathroom
8×5 ft40 sqft
Floor Covering: Luxury Vinyl TileWall Covering: None
Kitchen
Main17×13 ft221 sqft
Floor Covering: Luxury Vinyl PlankWall Covering: Some
Laundry
Main9×6 ft54 sqft
Floor Covering: Luxury Vinyl TileWall Covering: None
Listing insights
Market data and value estimates
StatusSold
Days on market315
Est. value$289,800
Est. rent$1,888/mo
Tax rate1.70%
Price/sqft$212
On marketMay 8, 2025
PostedSep 2, 2025
Last sold$283,000
MLS statusClosed
MLS updatedMay 29, 2025
Tour days6
How are the schools in Waterloo?
3 schools rated nearby
Location
Waterloo, IL, 62298
Price history
4 events
DateEventPrice$/sqftSource
May 28, 2025Sold$283,000$212MARIS
May 10, 2025Pending Sale$280,000$210MARIS
May 8, 2025Listed For Sale$280,000$210MARIS
May 23, 2006Sold$177,000$133Public Record
Sold$283,000
May 28, 2025•$212/sqft•MARIS
Pending Sale$280,000
May 10, 2025•$210/sqft•MARIS
Listed For Sale$280,000
May 8, 2025•$210/sqft•MARIS
Sold$177,000
May 23, 2006•$133/sqft•Public Record
Tax history
17 years of records
YearTax paidAssessed value
Apr 9, 2024$4,459$81,750
Apr 9, 2023$3,877$72,530
Apr 9, 2022$3,799$70,610
Apr 9, 2021—$63,410
Apr 9, 2020—$60,810
Apr 9, 2019—$59,570
Apr 9, 2018$2,931$56,950
Apr 9, 2017$2,931$55,186
Apr 9, 2016$2,931$53,610
Apr 9, 2015$2,902$54,730
Apr 9, 2014$2,721$53,620
Apr 9, 2012$2,721$54,170
Apr 9, 2011—$54,930
Apr 9, 2010—$54,930
Apr 9, 2009—$57,240
Apr 9, 2008—$56,280
Apr 9, 2007—$54,330
Nearby homes
Neighborhood details
Local context around this listing
Waterloo, IL • Monroe County
Nearby neighborhoods
FloravillePaderborn
Nearby cities
ColumbiaFultsHeckerMaeystownPrairie du RocherRed BudRenaultValmeyer
Nearby zip codes
6224862298
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