1033 Turtle Dove Trl, Waterloo, IL, 62298
About This Home
Stately two-story home with picturesque lake views in sought-after Lakeview Estates. This 5-bedroom, 3 1/2-bath residence offers a bright, open floor plan with spacious living areas, formal dining, and a well-appointed kitchen ideal for everyday living and entertaining. The main living area features a fireplace, and a separate office space provides flexibility for remote work or study. The primary suite includes a walk-in closet, extended vanity, and serene water views. Enjoy exceptional outdoor living with upper and lower decks overlooking the lake, perfect for morning coffee and evening sunsets. This is one of only seven lakefront properties with private dock access, and includes a paddleboat and trolling motor, offering a peaceful, recreational lakefront lifestyle. An extra-large driveway provides ample parking and added convenience. The walkout basement features a full Rathskeller-style entertaining space, complete with full heating and cooling ductwork, making it ideal for year-round use. The lot offers added openness with adjoining space, enhancing privacy and overall setting. Estimated over 3,000 sq ft of living space. Conveniently located near top-rated Waterloo schools, shopping, dining, and major commuting routes. A rare opportunity to enjoy lakefront living with both comfort and functionality.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Concrete
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Number of fireplaces: 1
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 889
- Finished area above ground: 2,180
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 3,069
- Total interior livable area: 3,069 sqft
Property
Details
- Parcel number: 0726234047000
- Special condition: Standard
Features
- Levels: Two
- On waterfront: Yes
- Waterfront features: Waterfront
Lot
- Lot size: 0.29 Acres
- Features: Waterfront
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Strong Wind
- Tornado
- Cold Wave
- Earthquake
- Hail
- Landslide
- Lightning
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,654 | $31,848 |
| Home Insurance * | $310 | $3,720 |
| Property Taxes | $638 | $7,656 |
| Electricity | $236 | $2,832 |
| Total | $3,838 | $46,056 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-02 | Listed for sale | $550,000 |
| 2009-09-09 | Sold | $205,000 |
| 2009-04-03 | Listed for sale | $235,000 |
| 2005-09-08 | Sold | $230,000 |
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