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Single Family ResidenceResidential
$261,807$168 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

1016 COTTONWOOD LN

WATERLOO, IL 62298
3
Beds
3
Baths
1,560 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$262K
$245K low$278K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,226 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$75,010 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,490
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$59,520
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$79,218
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$225,030

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.8
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMONROE
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 144 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Waterloo High SchoolB-
High · Grades 9–12 · 1.7 mi
M
Waterloo Junior High SchoolB+
Middle · Grades 6–8 · 1.8 mi
E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 2.0 mi

District: Waterloo Community Unit School District 5

Neighborhood · ZIP 62298These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.169

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,127
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.124 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,202
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,724
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1016 Cottonwood Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 70% of homes in Waterloo 62298
  • Costs less per square foot than 88% of homes in Waterloo 62298
  • Has a smaller lot than 74% of homes in Waterloo 62298
  • Newer than 81% of homes in Monroe County

What homes are worth in Waterloo 62298

Each bar is how many homes fall in that price range. The marker is this home.

This home
$122K$678K

This home is worth more than 30% of homes in Waterloo 62298.

How it measures up in Waterloo 62298

The dot is this home. The mark in the middle is the typical home in Waterloo 62298.

Estimated value$261,807
CheaperTypical $329,823Pricier

Pricier than 30% of homes nearby

Price per ft²$168
CheaperTypical $217Pricier

Pricier than 12% of homes nearby

Living area1,560 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 55% of homes nearby

Lot size0.27 ac
SmallerTypical 0.43 acBigger

Bigger than 26% of homes nearby

Year built2004
OlderTypical 1990Newer

Newer than 80% of homes nearby

How 1016 Cottonwood Ln ranks against every home in each area.
MeasureThis homeWaterloo 62298Monroe County
Estimated valuepricier than$261,80730% of homes30% of homes
Price per ft²pricier than$16812% of homes12% of homes
Living areabigger than1,560 ft²55% of homes56% of homes
Lot sizebigger than0.27 ac26% of homes26% of homes
Year builtnewer than200480% of homes81% of homes

About 1016 Cottonwood Ln

How much is 1016 Cottonwood Ln, Waterloo, IL worth?

The TopHap Estimate for 1016 Cottonwood Ln, Waterloo, IL is $261,807 as of Sep 24, 2026. The likely range is $245,308 to $278,306. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1016 Cottonwood Ln, Waterloo, IL last sell?

1016 Cottonwood Ln, Waterloo, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1016 Cottonwood Ln, Waterloo, IL?

1016 Cottonwood Ln, Waterloo, IL has 3 bedrooms, 3 bathrooms, 1,560 square feet of living space and a 0.27-acre lot.

When was 1016 Cottonwood Ln, Waterloo, IL built?

1016 Cottonwood Ln, Waterloo, IL was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 1016 Cottonwood Ln, Waterloo, IL?

1016 Cottonwood Ln, Waterloo, IL is assigned to Waterloo High School (high), rated B-; Waterloo Junior High School (middle), rated B+; W. J. Zahnow Elementary School (elementary). All sit in Waterloo Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1016 Cottonwood Ln, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,136 homes in Waterloo 62298, it is worth more than 30% of them ($261,807 against a typical $329,823), its price per square foot is higher than 12% of them ($168 against a typical $217), it is bigger than 55% of them (1,560 ft² against a typical 1,500 ft²), its lot is bigger than 26% of them (0.27 ac against a typical 0.43 ac) and it is newer than 80% of them (2004 against a typical 1990). Measured against all of Monroe County, it is worth more than 30% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1016 Cottonwood Ln, Waterloo, IL?

The 2025 property tax bill for 1016 Cottonwood Ln, Waterloo, IL was $4,226. The county assessed it at $75,010.

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