Beautifully maintained and exceptionally spacious, this traditional 2-story home truly checks every box. Offering 21 finished rooms with nearly 4,000 sq ft of finished living space on a gorgeous .41-acre lot backing to endless country views, this property blends subdivision convenience with peaceful rural charm. Located in the highly desired Oak Valley Subdivision, just south of Waterloo High School, the setting is ideal. A large covered front porch with extensive curb-appeal landscaping (approx. 6 years) welcomes you home. The private backyard is a standout—mature trees, your own tetherball setup, and a nice-sized shed with single garage door and loft. The spacious patio with Edison-bulb lighting creates the perfect atmosphere for breezy summer evenings. The oversized 2-car garage includes attic access for additional storage. Inside, a two-story foyer with open staircase sets the tone and offers the perfect backdrop for family photos. The formal dining room features tall windows and industrial-style touches, while the front office can flex as a living room, music room, or bonus space. The stunning two-story living room showcases a wall of windows that frame your backyard like artwork—ideal for watching snowfall in winter or blooms in spring.
The home features oak flooring and a well-appointed kitchen with glass tile backsplash, black appliances, double oven, and a bay-style breakfast area just steps from the patio. A double sink, new HD countertops, maple cabinets with crown, recessed lighting, pull-out pantry, and walk-in pantry make this kitchen the true heart of the home. A conveniently located half bath sits off the center hall. The open staircase leads to a double-sided catwalk overlooking the living room.
The vaulted primary suite includes plush carpet, an oversized window with arched transom, a large walk-in closet, corner soaking tub, walk-in shower, and ceramic tile flooring. Bedrooms 2, 3, and 4 are all carpeted, with two offering walk-in closets. The hall bath includes a tub/shower combo, single vanity, and separate powder area. The lower level is an entertainer’s dream with a split-landing staircase and LVP flooring. A new laundry room features cabinetry and a folding station. The rec/family room includes a bar/buffet area with refrigerator and an industrial-inspired aesthetic. A non-conforming 5th bedroom (great for guests, hobbies, or storage) includes a full ensuite bath with tub/shower combo and storage closet. Additional features include extra insulation, public water, community sewer, and zoned HVAC for comfort and efficiency.
This home offers the space, setting, and updates today’s buyers want—meticulously maintained and move-in ready.
Active under contract
Listed by: Tammy Mitchell Hines & Co.
$424,900
4901 Red Oak Dr, Waterloo, IL 62298
4beds
3,984sqft
Single Family Residence
Built in 2006
0.41 Acres Lot
$422,100 Zestimate®
$107/sqft
$15/mo HOA
What's special
Extensive curb-appeal landscapingMature treesRecessed lightingBeautifully maintainedPrivate backyardLarge covered front porchOak flooring
- 42 days |
- 511 |
- 24 |
Zillow last checked:
Listing updated:
Listed by:
Tammy A Hines 618-281-3959,
Tammy Mitchell Hines & Co.
Source: MARIS,MLS#: 26030978
Originating MLS: Southwestern Illinois Board of REALTORS
Originating MLS: Southwestern Illinois Board of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Primary bedroom
- Features: Floor Covering: Carpeting
- Level: Upper
- Area: 288
- Dimensions: 18x16
Bedroom
- Features: Floor Covering: Carpeting
- Level: Upper
- Area: 120
- Dimensions: 12x10
Bedroom 2
- Features: Floor Covering: Carpeting
- Level: Upper
- Area: 144
- Dimensions: 12x12
Bedroom 3
- Features: Floor Covering: Carpeting
- Level: Upper
- Area: 120
- Dimensions: 12x10
Primary bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Upper
- Area: 182
- Dimensions: 13x14
Bathroom
- Features: Floor Covering: Wood
- Level: Main
- Area: 25
- Dimensions: 5x5
Bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Lower
- Area: 40
- Dimensions: 8x5
Bathroom 3
- Features: Floor Covering: Ceramic Tile
- Level: Upper
- Area: 56
- Dimensions: 8x7
Bonus room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 364
- Dimensions: 28x13
Breakfast room
- Features: Floor Covering: Wood
- Level: Main
- Area: 180
- Dimensions: 12x15
Dining room
- Features: Floor Covering: Wood
- Level: Main
- Area: 168
- Dimensions: 14x12
Family room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 435
- Dimensions: 29x15
Kitchen
- Features: Floor Covering: Wood
- Level: Main
- Area: 170
- Dimensions: 17x10
Laundry
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Lower
- Area: 77
- Dimensions: 11x7
Living room
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 272
- Dimensions: 17x16
Mud room
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 144
- Dimensions: 16x9
Other
- Description: Foyer
- Features: Floor Covering: Wood
- Level: Main
- Area: 143
- Dimensions: 13x11
Other
- Features: Floor Covering: Wood
- Level: Upper
- Area: 192
- Dimensions: 24x8
Sitting room
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 204
- Dimensions: 17x12
Storage
- Features: Floor Covering: Concrete
- Level: Lower
- Area: 105
- Dimensions: 15x7
Storage
- Features: Floor Covering: Concrete
- Level: Lower
- Area: 72
- Dimensions: 9x8
Storage
- Features: Floor Covering: Concrete
- Level: Lower
- Area: 52
- Dimensions: 13x4
Storage
- Features: Floor Covering: Carpeting
- Level: Upper
- Area: 96
- Dimensions: 8x12
Heating
- Forced Air, Propane
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Microwave, Range, Refrigerator
- Laundry: Laundry Room, Lower Level
Features
- Basement: Partially Finished
- Number of fireplaces: 1
- Fireplace features: Gas, Living Room
Interior area
- Total structure area: 3,984
- Total interior livable area: 3,984 sqft
- Finished area above ground: 3,068
- Finished area below ground: 916
Property
Parking
- Total spaces: 3
- Parking features: Attached, Detached
- Attached garage spaces: 3
Features
- Levels: One and One Half
- Patio & porch: Patio, Porch
- Has view: Yes
- View description: Pasture
Lot
- Size: 0.41 Acres
- Features: Corner Lot
Details
- Additional structures: Shed(s)
- Parcel number: 1107117041000
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- Updated/Remodeled
- New construction: No
- Year built: 2006
Utilities & green energy
- Electric: Other
- Sewer: Private Sewer
- Water: Public
- Utilities for property: None
Community & HOA
Community
- Features: Street Lights
- Subdivision: Oak Vly Estates
HOA
- Has HOA: Yes
- Amenities included: Common Ground
- Services included: Common Area Maintenance
- HOA fee: $175 annually
- HOA name: Oak Valley
Location
- Region: Waterloo
Financial & listing details
- Price per square foot: $107/sqft
- Tax assessed value: $408,420
- Annual tax amount: $7,862
- Date on market: 5/19/2026
- Cumulative days on market: 42 days
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Ownership: Private
Estimated market value
$422,100
$401,000 - $443,000
$3,439/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/8/2026 | Contingent | $424,900$107/sqft |
Source:  MARIS #26030978 Report a problem | ||
| 6/1/2026 | Listed for sale | $424,900$107/sqft |
Source: MARIS #26030978 Report a problem | ||
| 5/28/2026 | Contingent | $424,900$107/sqft |
Source: MARIS #26030978 Report a problem | ||
| 5/20/2026 | Listed for sale | $424,900+60.9%$107/sqft |
Source: MARIS #26030978 Report a problem | ||
| 1/18/2007 | Sold | $264,000+363.2%$66/sqft |
Source: Public Record Report a problem | ||
| 9/21/2006 | Sold | $57,000$14/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $7,862 +11.4% | $136,140 +10.5% |
| 2023 | $7,055 +15.6% | $123,250 +16.6% |
| 2022 | $6,102 | $105,690 |
| 2021 | -- | $105,690 +19.7% |
| 2020 | -- | $88,330 |
| 2019 | -- | $88,330 |
| 2018 | $5,373 | $88,330 -1.8% |
| 2017 | $5,373 | $89,920 -6% |
| 2016 | $5,373 +16.3% | $95,680 +23.4% |
| 2015 | $4,621 +4.2% | $77,550 -0.1% |
| 2014 | $4,436 | $77,610 +7.8% |
| 2012 | $4,436 | $72,000 |
| 2011 | -- | $72,000 -16.9% |
| 2010 | -- | $86,670 -3.7% |
| 2009 | -- | $90,000 +1.8% |
| 2008 | -- | $88,450 -9.2% |
| 2007 | -- | $97,390 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 62298
Nearby schools
GreatSchools rating
- 6/10Gardner Elementary SchoolGrades: 4-5Distance: 2.8 mi
- 7/10Waterloo Junior High SchoolGrades: 6-8Distance: 3.2 mi
- 6/10Waterloo High SchoolGrades: 9-12Distance: 1.6 mi
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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Illinois
- Monroe County
- Waterloo
- 62298
- 4901 Red Oak Dr
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