NOT LISTED FOR SALE

1020 Oak Creek Ln Waterloo, IL 62298

Waterloo Area

Estimated Value: $418,000 - $440,000

4 Beds
3.5 Baths
3,139 Sq Ft
$136/Sq Ft Est. Value

Sale Details

Date Sold: July 8, 2025

Last sale price $425,000 $135 Per Sq Ft

Est. 1% increase in value since last sale

Current estimated payment $2,882 / mo

10 Days on Market

Highlights

  • Home fronts a creek
  • Deck
  • Wood Flooring
  • Rogers Elementary School Rated A-
  • Ranch Style House
  • Bonus Room

About This Home

As of July 2025

Gorgeous Ranch executive style home in excellent condition. with beautiful landscaping, backing to a private creek view. This home has 3100+ sq ft finished and a 3 car garage. 4 bed, 4 bath. Walk out basement with upper AND lower SCREENED rooms for mosquito free outdoor evenings Fantastic location just seconds from Rout 3 for an easy commute and access to all Waterloo has to offer. Open concept living/dining/kitchen. Spacious living room has vaulted ceiling and gas fireplace, a warm and inviting place to showcase your holiday décor. Kitchen with batwing attached island, quartz counters, farm sink, maple staggered height cabinets w/crown and breakfast room leading to the screened deck. Large master suite with tray ceiling. Ensuite with jetted tub + walk in shower, makeup vanity and huge walk in closet. MAIN FLOOR LAUNDRY. 2 more nice size beds, full bath and powder room on main plus 2nd full bath with tub/shower combo. Lower level has large family room, great rec/entertaining space with custom bar w/mini fridge, full size fridge, bar sink and coffee bar, walk out to 2nd screened porch. Office/game/craft room w/cork floor, storage and work space. 4th bed and full bath. Central vac, gutter guards, zoned irrigation, built in generator. Can accommodate a fast close. This house has been gently used and meticulously maintained. Sellers can accommodate a fast close. Creekside subdivision is a beautiful subdivision with quiet streets and pretty homes.

Last Agent to Sell the Property

Tammy Hines

Tammy Mitchell Hines & Co. License #471000040 Listed on: 06/03/2025

Tammy Mitchell Hines & Co.

Last Buyer's Agent

Tammy Hines

Tammy Mitchell Hines & Co. License #471000040 Listed on: 06/03/2025

Tammy Mitchell Hines & Co.

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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List Price
Sold Price
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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,486

Year Built

  • Built in 2008

Lot Details

  • 27,878 Sq Ft Lot
  • Home fronts a creek
  • Level Lot

HOA Fees

  • $3 Monthly HOA Fees

Parking

  • 3 Car Attached Garage
  • Garage Door Opener

Home Design

  • Ranch Style House
  • Brick Exterior Construction
  • Vinyl Siding

Interior Spaces

  • Bar
  • Gas Fireplace
  • Entrance Foyer
  • Family Room
  • Living Room with Fireplace
  • Breakfast Room
  • Dining Room
  • Bonus Room
  • Workshop
  • Storage Room
  • Laundry on main level

Kitchen

  • Microwave
  • Dishwasher
  • Disposal

Flooring

  • Wood
  • Carpet
  • Concrete
  • Ceramic Tile
  • Luxury Vinyl Plank Tile

Bedrooms and Bathrooms

  • 4 Bedrooms

Basement

  • Walk-Out Basement
  • Basement Fills Entire Space Under The House
  • Finished Basement Bathroom
  • Basement Storage
  • Natural lighting in basement

Outdoor Features

  • Deck
  • Enclosed Patio or Porch

Schools

  • Waterloo Dist 5 Elementary And Middle School
  • Waterloo High School

Utilities

  • Forced Air Heating and Cooling System

Community Details

  • Association fees include common area maintenance
  • Creekside Estates HOA
  • Built by McFadden

Listing and Financial Details

  • Assessor Parcel Number 07-26-265-031-000

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,486

Year Built

Built in 2008

Lot Details

0.64 Acres

HOA Fees

$3 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Year Built: 2008
  • Property Sub-Type: Single Family Residence
  • ResoLaundryFeatures: Main Level
  • ResoLotFeatures: Level
  • Lot Size Acres: 0.64
  • Reso Association Amenities: None
  • Co List Office Phone: 618-281-3959
  • MLS Status: Closed
  • Subdivision Name: Creekside Estates
  • Above Grade Finished Sq Ft: 1939
  • Architectural Style: Ranch
  • Carport Y N: No
  • Reso Fireplace Features: Gas, Living Room
  • Unit Levels: One
  • New Construction: No
  • Property Attached Yn: Yes
  • MIS_RoomFlooring: Carpeting
  • MIS_AboveGradeFinishedAreaSrchSqFt: 1939.00
  • MIS_RoomFlooring: Luxury Vinyl Plank
  • MIS_RoomFlooring: Luxury Vinyl Plank
  • MIS_RoomFlooring: Luxury Vinyl Plank
  • MIS_RoomFlooring: Luxury Vinyl Plank
  • PreviousStatus: Active Under Contract
  • MIS_SellerConsiderConcessionYN: 1
  • MIS_RoomFlooring: Vinyl
  • MIS_RoomFlooring: Carpeting
  • MIS_RoomFlooring: Vinyl
  • MIS_RoomFlooring: Carpeting
  • MIS_PoolYN: 0
  • MIS_BelowGradeFinishedAreaSrchSqFt: 1200.00
  • MIS_RoomFlooring: Vinyl
  • MIS_RoomFlooring: Carpeting
  • MIS_AuctionYN: 0
  • MIS_RoomFlooring: Carpeting
  • MIS_RoomFlooring: Luxury Vinyl Plank
  • MIS_RoomFlooring: Ceramic Tile
  • MIS_RoomFlooring: Vinyl
  • MIS_RoomFlooring: Concrete
  • MIS_RoomFlooring: Vinyl
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Basement: Bathroom, Daylight, Full, Sleeping Area, Storage Space, Walk-Out Access
  • Interior Amenities: Bar, Entrance Foyer, Workshop/Hobby Area
  • Appliances: Dishwasher, Disposal, Microwave
  • Basement YN: Yes
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Below Grade Sq Ft: 1200
  • Fireplaces: 1
  • Fireplace: Yes
  • Flooring: Carpet, Vinyl, Wood
  • MIS_LowerLevelBathroomsFull: 1
  • MIS_LowerLevelBathroomsHalf: 0
  • MIS_LowerLevelBedrooms: 1
  • MIS_MainLevelBathroomsFull: 2
  • MIS_MainLevelBathroomsHalf: 1
  • MIS_UpperLevelBathroomsFull: 0
  • MIS_UpperLevelBathroomsHalf: 0
  • MIS_UpperLevelBedrooms: 0

Exterior Features

  • Pool Private: No
  • Waterfront Features: Creek
  • Waterfront: Yes
  • Disclosures: See Seller's Disclosure
  • Home Warranty: No
  • Builder Name: McFadden
  • Construction Type: Brick, Vinyl Siding
  • Patio And Porch Features: Covered, Deck, Enclosed, Patio, Screened

Garage/Parking

  • Garage Spaces: 3
  • Attached Garage: Yes
  • Attached Garage: Yes
  • Parking Features: Garage, Garage Door Opener

Utilities

  • Sewer: Public Sewer
  • Cooling: Central Air
  • Heating: Forced Air
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 40
  • Senior Community: No
  • Association Fee Frequency: Annually
  • Association: Yes

Association/Amenities

  • General Property Information:Association Name: Creekside Estates HOA

Fee Information

  • Association Fee Includes: Common Area Maintenance

Schools

  • Elementary School: WATERLOO DIST 5
  • Junior High Dist: Waterloo DIST 5
  • High School: Waterloo
  • Middle Or Junior School: WATERLOO DIST 5

Lot Info

  • Development Status: Finished Lot(s)
  • Lot Dimensions: 0.64
  • Parcel Number: 07-26-265-031-000

Tax Info

  • Tax Year: 2023
  • Tax Annual Amount: 5486

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Jun 3, 2025
Closed on
Jul 8, 2025
Sold by
Elmore Family Trust and Elmore Robert D
Bought by
Seller's Agent
Tammy Hines
Tammy Mitchell Hines & Co.
Buyer's Agent
Tammy Hines
Tammy Mitchell Hines & Co.
List Price
$425,000
Sold Price
$425,000
Views
130
Current Estimated Value
$427,931

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$2,931
Avg. Annual Appreciation
0.62%
Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$425,000 None Listed On Document
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
07/08/2025 07/08/25 Sold $425,000 0.0% $135 / Sq Ft
06/03/2025 06/03/25 For Sale $425,000 -- $135 / Sq Ft
Source: MARIS MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $6,353 $132,780 $19,240 $113,540
2024 $6,353 $118,336 $18,450 $99,886
2023 $0 $98,200 $16,820 $81,380
2022 $5,376 $95,350 $16,910 $78,440
2021 $5,072 $88,870 $14,400 $74,470
2020 $4,921 $84,540 $14,400 $70,140
2019 $4,870 $82,840 $14,400 $68,440
2018 $5,031 $82,970 $13,750 $69,220
2017 $4,575 $79,964 $13,998 $65,966
2016 $0 $79,020 $13,570 $65,450
2015 $4,707 $81,940 $14,400 $67,540
2014 $4,359 $79,260 $14,400 $64,860
2012 -- $74,380 $16,420 $57,960
Source: Public Records

Agents Affiliated with this Home

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Map

Source: MARIS MLS

MLS Number: MIS25038200

MARIS MLS

APN: 07-26-265-031-000

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