Lots of potential in this Lake of the Woods bank owned property that is sold as is where is. A little more than 5 minutes from Waterloo you will find this large lake front home. Several bedrooms have on suite baths. The master suite has a gas fireplace, kitchenette, walk in closet, Master Bath with sep shower & jacuzzi tub & double vanity & has washer dryer hookups down the hall. The lower level has a fireplace, family room, game room, full bath, bar area & just needs your finishing touches. Outdoors is a nice patio with outdoor kitchen, deck with pool & a large shed with lean to. A beautiful rustic log cabin w/ loft is located near the lake. This home is perfect for a large family or someone that just wants to entertain family & friends.
Single-familyProperty Type
1983Year Built
2.5 acresLot Size
$142Est. Price/Sq.Ft.
3 car garageParking
Listed by Sonja Madlinger• Welcome Home Real Estate Llc
Bought with Tammy Hines• Tammy Mitchell Hines & Co.
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
3
Baths
4
Stories
1
Lot width
—
Lot depth
—
Lot size
2.5 Acres
Year renovated
1983
Sq. Ft.
2,940
Year built
1983
Style
Single Family Residential
County
Monroe County
APN
11-02-366-011-000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Aug 26, 2026.
A1
Agricultural District
The Agricultural District of Monroe County encompasses areas where soil, water, vegetal, and topographical resources generally provide conditions well suited to the raising of crops and domestic animals. The district is designed to prevent the intrusion of nonagricultural land use and development which would hinder agricultural pursuits by reason of congestion on public roads, chemical and biological pollution of air and water, environmental conditions, soil erosion, and the depletion of natural cover causing runoff of storm water onto and across agricultural land. The district is designed to protect and preserve the areas of high agricultural productivity and is intended to preserve conditions suitable to agricultural purposes. Anyone applying for a permit for a residence in this Agriculture Zoned District must sign a certificate that they are aware that there might be a sight, smell, or sound of agriculture business in the area.
Permitted uses
Include but are not limited to:
Agriculture
Dairy
Greenhouse / nursery
Livestock production
Housing-Single unit
Housing-Other
Public service
Recreation
Agriculture-Cropland
Housing-Mobile home park
Property details
Parking
Parking Information
Parking Features: Additional Parking
Garage Spaces: 3
Carport Spaces: 0
Has Garage
Interior
Bedroom Information
# of Bedrooms: 4
# of Bedrooms Main: 3
Bathroom Information
# of Full Baths (Total): 4
# of Main Level Bathrooms (Total): 3
# of Main and Upper Bathrooms: 3
Main Level # of Full Bathrooms: 3
Room 1 Information
Room Type: Master Bedroom
Room Dimensions: 23x22
Room Length: 23
Room Width: 22
Room Level: Second or Main
Room 2 Information
Room Type: Bedroom
Room Dimensions: 14x17
Room Length: 14
Room Width: 17
Room Level: Second or Main
Room 3 Information
Room Type: Bedroom
Room Dimensions: 22x24
Room Length: 22
Room Width: 24
Room Level: Second or Main
Room 4 Information
Room Type: Family Room
Room Dimensions: 21x29
Room Length: 21
Room Width: 29
Room Level: First or Lower
Room 5 Information
Room Type: Kitchen
Room Dimensions: 15x12
Room Length: 15
Room Width: 12
Room Level: Second or Main
Room 6 Information
Room Type: Living Room
Room Dimensions: 14x15
Room Length: 14
Room Width: 15
Room Level: Second or Main
Room 7 Information
Room Type: Master Bathroom
Room Dimensions: 10x9
Room Length: 10
Room Width: 9
Room Level: Second or Main
Room 8 Information
Room Type: Bathroom
Room Dimensions: 6x7
Room Length: 6
Room Width: 7
Room Level: Second or Main
Room 9 Information
Room Type: Laundry
Room Dimensions: 10x22
Room Length: 10
Room Width: 22
Room Level: Second or Main
Room 10 Information
Room Type: Bathroom
Room Dimensions: 8x5
Room Length: 8
Room Width: 5
Room Level: Second or Main
Room 11 Information
Room Type: Dining Room
Room Dimensions: 12x10
Room Length: 12
Room Width: 10
Room Level: Second or Main
Room 12 Information
Room Type: Sitting Room
Room Dimensions: 9x12
Room Length: 9
Room Width: 12
Room Level: Second or Main
Room 13 Information
Room Type: Other Room
Room Dimensions: 29x23
Room Length: 29
Room Width: 23
Room Level: First or Lower
Basement Information
Basement Features: Bathroom in LL, Walk-Out Access
Other Rooms Information
# of Rooms: 8
Fireplace Information
Has Fireplace
# of Fireplaces: 2
Fireplace Features: Gas, Woodburning Fireplce
Heating & Cooling
Has Heating
Heating Information: Forced Air
Cooling Information: Gas
Interior Features
Window Features: Skylight(s), Sliding Glass Doors
Exterior
Building Information
Construction Materials: Frame
Pool Information
Has Private Pool
Waterfront Information
On Waterfront
Property Information
Ownership Type: Bank
Property Type: Residential
Property Sub Type: Residential
Above Grade Finished Area: 2,940
Above Grade Finished Area Source: Public Records
Below Grade Finished Area: 1,060
Below Grade Finished Area Source: Other
Lot Information
Lot Features: Pond/Lake, Waterfront, Wooded
Lot Size Acres: 2.5
Lot Size Dimensions: 2.5 acre
Lot Size Source: County Records
Financial
Tax Information
Tax Annual Amount: $4,740
Tax Year: 2016
Utilities
Utility Information
Water Source: Well
Sewer: Septic Tank
Location
HOA Information
Association Amenities: Above Ground Pool
Association Fee: $200
Association Fee Frequency: Annually
School Information
Elementary School: WATERLOO DIST 5
Middle Or Junior High School: WATERLOO DIST 5
High School: Waterloo
High School District: Waterloo DIST 5
Location Information
Directions: IL rte 156 to J Rd
Cross Street: IL Rte 156
Public facts
Beds: 3
Baths: 4.0
Sq. Ft.: 2,940
Stories: 1.0
Lot Size: 2.5 acres
Style: Single Family Residential
Year Built: 1983
Year Renovated: 1983
County: Monroe County
APN: 11-02-366-011-000
Home facts updated by county records on Aug 26, 2026
Other
Home Information
Levels: One
Around this home
Schools
Gardner Elementary School
Public 4-5 • Assigned • 5.2mi
6/10
Waterloo Junior High School
Public 6-8 • Assigned • 5.5mi
7/10
Waterloo High School
Public 9-12 • Assigned • 4.6mi
6/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
2/10 Fire Factor
0.00% chance of being in a wildfire in next 30 years
5/10 Heat Factor
7 days above 107° expected this year, 20 days in 30 years
2/10 Wind Factor
1% chance of strong winds in next 30 years
1/10 Air Factor
0 unhealthy days expected this year, 0 days in 30 years
Provided by First Street
Historical weather
Waterloo, IL • 62298
Average low and high temperatures (°F)
38
21
48
28
66
42
71
52
75
57
86
68
90
73
87
67
83
61
74
50
58
41
47
30
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.9 hours in
June and 4.1 hours in December, which is comparable to the
U.S. average for solar exposure.
9.9 hrs
4.1 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$396,000 – $480,000
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