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    • Listed by: Keller Williams Pinnacle • Amy L Hank • Contact: 618-593-7358
    Bought with: eXp Realty
    $281,000

    1005 Cottonwood Ln, Waterloo, IL 62298

    2beds
    1,764sqft
    Single Family Residence
    Built in 2005
    9,147 Square Feet Lot
    $280,600 Zestimate®
    $159/sqft
    $2,009 Estimated rent

    Home value

    $280,600

    $230,000 - $340,000

    $2,009/mo

    Zestimate® history
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    What's special

    Fully fenced backyardWet barAmple storageEat-in kitchenUpdated lightingNewer flooring throughoutNewer stainless steel appliances
    This beautifully updated 2-bedroom, 2-bath home offers far more than meets the eye, with a finished lower level that adds incredible living and entertaining space. The main level features newer flooring throughout, updated lighting, and an eat-in kitchen complete with newer stainless steel appliances, tile backsplash, a pantry, and direct access to the oversized back patio—perfect for indoor-outdoor living. Step outside to enjoy the fully fenced backyard, ideal for relaxing, entertaining, or pets. The updated main-level bathroom adds modern style, while thoughtful upgrades continue throughout the home, including HVAC installed in 2025 with an air purifier and a newer water softener. The finished basement is an entertainer’s dream, featuring new carpet, a wet bar, built-in wine fridges, and a theater setup with projector, screen, and sound system—ready for movie nights or game day. The lower level also includes a full bathroom, ample storage, and an egress window, offering the option to add a third bedroom or home office. A 2-car garage rounds out this move-in-ready home that blends comfort, updates, and flexibility. Don’t miss your chance to own a home that truly delivers on space and upgrades in all the right places.

    Zillow last checked:

    Listing updated:

    Listed by:

    Amy L Hank 618-593-7358,

    Keller Williams Pinnacle

    Bought with:

    Monica Schmidt, 475172686

    eXp Realty

    Source: MARIS,MLS#: 25081698MLS LogoOriginating MLS: Southwestern Illinois Board of REALTORS

    Facts & features

    Interior

    Bedrooms & bathrooms
    • Bedrooms: 2
    • Bathrooms: 2
    • Full bathrooms: 2
    • Main level bathrooms: 1
    • Main level bedrooms: 2
    Bedroom
    • Level: Main
    Bedroom 2
    • Level: Main
    Bathroom
    • Level: Main
    Bathroom 2
    • Level: Lower
    Family room
    • Level: Lower
    Kitchen
    • Level: Main
    Living room
    • Level: Main
    Heating
    • Forced Air
    Cooling
    • Central Air
    Appliances
    • Included: Dishwasher, Microwave, Electric Range
    Features
    • Basement: Partially Finished,Full,Sleeping Area,Sump Pump
    • Has fireplace: No
    Interior area
    • Total structure area: 1,764
    • Total interior livable area: 1,764 sqft
    • Finished area above ground: 1,064
    • Finished area below ground: 700

    Property

    Parking
    • Total spaces: 2
    • Parking features: Attached, Driveway, Garage, Off Street
    • Attached garage spaces: 2
    • Has uncovered spaces: Yes
    Features
    • Levels: One
    Lot
    • Size: 9,147 Square Feet
    • Features: Back Yard, Front Yard, Level
    Details
    • Parcel number: 0735265022000
    • Special conditions: Standard

    Construction

    Type & style
    • Home type: SingleFamily
    • Architectural style: Ranch,Traditional
    • Property subtype: Single Family Residence
    Materials
    • Brick Veneer, Stone Veneer, Vinyl Siding
    Condition
    • Year built: 2005

    Utilities & green energy

    • Electric: Single Phase
    • Sewer: Public Sewer
    • Water: Public
    • Utilities for property: Natural Gas Available

    Community & HOA

    Community
    • Subdivision: Silvercreek Crossing
    HOA
    • Has HOA: Yes
    • Amenities included: None
    • Services included: Maintenance Grounds
    • HOA fee: $50 annually
    • HOA name: Silvercreek Crossing HOA
    Location
    • Region: Waterloo

    Financial & listing details

    • Price per square foot: $159/sqft
    • Tax assessed value: $241,440
    • Annual tax amount: $1,828
    • Date on market: 12/27/2025
    • Cumulative days on market: 41 days
    • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan

    Price history

    DateEventPrice
    2/6/2026Sold$281,000-1.4%$159/sqft
    Source: MARIS #25081698 Report a problem
    1/8/2026Contingent$285,000$162/sqft
    Source: MARIS #25081698 Report a problem
    12/27/2025Listed for sale$285,000+25%$162/sqft
    Source: MARIS #25081698 Report a problem
    6/14/2022Sold$228,000-4.2%$129/sqft
    Source: MARIS #22015904 Report a problem
    6/6/2022Pending sale$237,900$135/sqft
    Source: MARIS #22015904 Report a problem
    4/26/2022Contingent$237,900+3.5%$135/sqft
    Source: MARIS #22015904 Report a problem
    4/20/2022Listed for sale$229,900+27.7%$130/sqft
    Source: MARIS #22015904 Report a problem
    7/10/2017Sold$180,000-2.7%$102/sqft
    Source: Public Record Report a problem
    6/1/2017Listed for sale$185,000+13.8%$105/sqft
    Source: Strano & Associates #17043107 Report a problem
    4/10/2013Sold$162,500-1.5%$92/sqft
    Source: Public Record Report a problem
    3/2/2013Listed for sale$165,000$94/sqft
    Source: Tammy Mitchell Hines & Co. #4202835 Report a problem

    Public tax history

    YearProperty taxesTax assessment
    2024-- $80,480 +12.5%
    2023-- $71,530 +2.3%
    2022$1,828 $69,950 +10.2%
    2021-- $63,450 +6.3%
    2020-- $59,680 +7.2%
    2019-- $55,690 +4.1%
    2018$3,018 $53,510 +3.9%
    2017$3,018 $51,501 +3.1%
    2016$3,018 +12.6%$49,940 +7.6%
    2015$2,681 +3.4%$46,410 -0.4%
    2014$2,593 $46,610 -2.9%
    2012$2,593 $48,010 -1.3%
    2011-- $48,630
    2010-- $48,630 -4.3%
    2009-- $50,820 +1.6%
    2008-- $50,000 +3.4%
    2007-- $48,350
    Find assessor info on the county website

    Neighborhood: 62298

    Nearby homes

    Nearby schools

    GreatSchools rating
    Schools provided by the listing agent
    • Elementary: Waterloo Dist 5
    • Middle: Waterloo Dist 5
    • High: Waterloo

    Source: MARIS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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    Estimated market value
    $280,600
    Get a cash offer in 3 minutes
    Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
    Estimated market value
    $280,600

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