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Single Family ResidenceResidential
$444,181$332 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

3705 MAC LN

WATERLOO, IL 62298
4
Baths
1,338 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.
3.02 ac
Lot SizeThe size of the land the home sits on, from county records.
1855
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$444K
$398K low$490K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,323 (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.$111,070 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,153
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$92,917
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,105
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$333,210

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.45
11
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyST. CLAIR
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1990
Lot (acres)The size of the land the home sits on, from county records.3.02
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Porch · 994 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 4.9 mi
M
Waterloo Junior High SchoolB+
Middle · Grades 6–8 · 5.1 mi
H
Waterloo High SchoolB-
High · Grades 9–12 · 6.0 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

3705 Mac 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 more than 93% of homes in St. Clair County
  • Costs more per square foot than 95% of homes in Waterloo 62298
  • Has a bigger lot than 93% of homes in St. Clair County
  • Among the oldest homes in St. Clair 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
$119K$671K

This home is worth more than 82% 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$444,181
CheaperTypical $316,597Pricier

Pricier than 82% of homes nearby

Price per ft²$332
CheaperTypical $214Pricier

Pricier than 95% of homes nearby

Living area1,338 ft²
SmallerTypical 1,505 ft²Bigger

Bigger than 39% of homes nearby

Lot size3.02 ac
SmallerTypical 0.44 acBigger

Bigger than 73% of homes nearby

Year built1855
OlderTypical 1991Newer

Older than almost all homes nearby

How 3705 Mac Ln ranks against every home in each area.
MeasureThis homeWaterloo 62298St. Clair County
Estimated valuepricier than$444,18182% of homes93% of homes
Price per ft²pricier than$33295% of homes94% of homes
Living areabigger than1,338 ft²39% of homes63% of homes
Lot sizebigger than3.02 ac73% of homes93% of homes
Year builtnewer than1855almost no homesalmost no homes

About 3705 Mac Ln

How much is 3705 Mac Ln, Waterloo, IL worth?

The TopHap Estimate for 3705 Mac Ln, Waterloo, IL is $444,181 as of Aug 30, 2026. The likely range is $398,151 to $490,211. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3705 Mac Ln, Waterloo, IL last sell?

3705 Mac Ln, Waterloo, IL last sold on May 4, 2021, according to the county's recorded deed.

How big is 3705 Mac Ln, Waterloo, IL?

3705 Mac Ln, Waterloo, IL has 4 bathrooms, 1,338 square feet of living space and a 3.02-acre lot.

When was 3705 Mac Ln, Waterloo, IL built?

3705 Mac Ln, Waterloo, IL was built in 1855, making it 171 years old. The building has 1 story.

What schools serve 3705 Mac Ln, Waterloo, IL?

3705 Mac Ln, Waterloo, IL is assigned to W. J. Zahnow Elementary School (elementary); Waterloo Junior High School (middle), rated B+; Waterloo High School (high), rated B-. All sit in Waterloo Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3705 Mac Ln, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,135 homes in Waterloo 62298, it is worth more than 82% of them ($444,181 against a typical $316,597), its price per square foot is higher than 95% of them ($332 against a typical $214), it is bigger than 39% of them (1,338 ft² against a typical 1,505 ft²), its lot is bigger than 73% of them (3.02 ac against a typical 0.44 ac) and it is newer than almost none of them (1855 against a typical 1991). Measured against all of St. Clair County, it is worth more than 93% 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 3705 Mac Ln, Waterloo, IL?

The 2025 property tax bill for 3705 Mac Ln, Waterloo, IL was $6,323. The county assessed it at $111,070.

More homes on Mac Ln

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