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476 Hayden Dr, Waterloo, IL, 62298

4beds
3baths
2,741sqft
$575,000
$210price/sqft
$4,156/moest. monthly cost
$166,240/yrincome needed

About This Home

Just imagine, sitting on the large patio of a .72 acre lot and taking in the evening sunset to the west. Travel inside to the open concept layout with an over sized center island. The center island has provided seating, food prep, and a food buffet simultaneously without disrupting guests during parties. Other details in the main room include a dry bar, gas fireplace with built-in cabinets, and a wood beam ceiling. Within walking distance of waterloo schools and just outside downtown, this house has it all. Check it out today!

Getting Around

30
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

--
7/10
6/10
Waterloo High SchoolGrades 9-121.7 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2022

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle
  • Construction materials: Stone,Vinyl Siding

Other

  • Builder name: D & F

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Ice Maker,Microwave,Range,Range Hood,Built-In Gas Range,Free-Standing Refrigerator,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Sleeping Area,Sump Pump

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Beamed Ceilings,Built-in Features,Ceiling Fan(s),Coffered Ceiling(s),High Ceilings,Kitchen Island,Kitchen/Dining Room Combo,Separate Shower,Soaking Tub,Walk-In Closet(s),Walk-In Pantry
  • Door features: Panel Door(s),Pocket Door(s),Sliding Doors
  • Window features: Tilt-In Windows,Window Treatments
  • Flooring: Carpet,Laminate,Linoleum,Simulated Wood,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 465
  • Finished area above ground: 2,276

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,741
  • Total interior livable area: 2,741 sqft

Property

Details

  • Parcel number: 0819301011000
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Patio
  • Exterior features: None
  • Fencing: Fenced,Gate,Other
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.72 Acres
  • Features: Landscaped,Level,Pie Shaped Lot
  • Lot size dimensions: 58 x 19 x 197 x 80 x 58 x 100 x 209

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Heat Wave
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Lightning
Winter Weather
Inland Flooding

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,907$34,884
Home Insurance *$340$4,080
Property Taxes $699$8,388
Electricity $210$2,529
Total$4,156$49,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,491/yr
40% on housing$124,680/yr
45% on housing$110,826/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.6%
-1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$210This listing

vs Other Active Listings

Avg $/sqft

ZIP 62298$199
Monroe County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 62298$162
Monroe County$157

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-17Listed for sale$575,000
2022-09-02Sold$493,100
2022-03-23Sold$61,000
2022-03-09Listing removed--
2021-07-15Price change$346,900
2021-04-30Price change$336,900
2021-01-18Listed for sale$329,900

For Sale by Agent

AgentLogan Ankeny
BrokerageNextHome Simple Transitions IL

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