Experience serene living at 4 Shady Oak Lane. Located on a wooded 1.03-acre lot, this 3-bedroom, 3-bathroom dream home offers an inviting combination of natural beauty and thoughtful design. The family room impresses with vaulted ceilings, exposed wood beams, and a brick fireplace anchoring the space in warmth and character. The kitchen features solid surface countertops, a breakfast nook, and built-in workspace. A bright sunroom extends the living area and provides tranquil views year-round. Three spacious bedrooms (2 include en-suite bathrooms), offering comfort and privacy. The lower level adds additional versatility with a bonus room and third full bath. Outdoor living is enhanced by a generous deck and fenced yard space, perfect for entertaining or simply enjoying the peaceful surroundings. The attached 2-car garage is complemented by a separate outbuilding with/ 12' ceiling, lift that stays with home, & parking for additional 4 vehicles and extra storage. Also noteworthy are the new carpet in '24, new half circle 3 row concrete driveway, & water softener stays with home. Features sheet provided in supplements. A quiet retreat just moments from local conveniences—this home is a must see.
Active
Listing Provided by:
Linda R Frierdich 618-281-7621,
Century 21 Advantage
Price cut: $9.9K (11/21)
$520,000
4 Shady Oak Ln, Waterloo, IL 62298
3beds
2,190sqft
Est.:
Single Family Residence
Built in 1988
1.03 Acres Lot
$505,300 Zestimate®
$237/sqft
$38/mo HOA
What's special
Brick fireplaceSpacious bedroomsEn-suite bathroomsBonus roomBreakfast nookBright sunroomVaulted ceilings
- 36 days |
- 899 |
- 30 |
Zillow last checked: 8 hours ago
Listing updated: November 21, 2025 at 02:28pm
Listing Provided by:
Linda R Frierdich 618-281-7621,
Century 21 Advantage
Source: MARIS,MLS#: 25073869
Originating MLS: Southwestern Illinois Board of REALTORS
Originating MLS: Southwestern Illinois Board of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 2
- Main level bedrooms: 3
Primary bedroom
- Features: Floor Covering: Carpeting
- Level: Main
Bedroom 2
- Features: Floor Covering: Carpeting
- Level: Main
Bedroom 3
- Features: Floor Covering: Carpeting
- Level: Main
Primary bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Main
Bathroom 2
- Features: Floor Covering: Ceramic Tile
- Level: Main
Bathroom 3
- Features: Floor Covering: Concrete
- Level: Lower
Breakfast room
- Features: Floor Covering: Ceramic Tile
- Level: Main
Dining room
- Features: Floor Covering: Carpeting
- Level: Main
Family room
- Features: Floor Covering: Carpeting
- Level: Main
Kitchen
- Features: Floor Covering: Ceramic Tile
- Level: Main
Laundry
- Features: Floor Covering: Ceramic Tile
- Level: Main
Sunroom
- Features: Floor Covering: Carpeting
- Level: Main
Heating
- Forced Air, Propane
Cooling
- Ceiling Fan(s), Central Air, Electric
Appliances
- Laundry: Main Level
Features
- Beamed Ceilings, Ceiling Fan(s), Separate Dining, Vaulted Ceiling(s)
- Doors: French Doors, Storm Door(s)
- Basement: Crawl Space
- Number of fireplaces: 1
- Fireplace features: Family Room, Wood Burning
Interior area
- Total structure area: 2,190
- Total interior livable area: 2,190 sqft
- Finished area above ground: 2,190
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Additional Parking, Attached, Detached, Driveway, Garage, Garage Faces Front
- Attached garage spaces: 4
- Has uncovered spaces: Yes
Features
- Levels: One
- Patio & porch: Deck
- Pool features: None
- Fencing: Fenced
Lot
- Size: 1.03 Acres
- Features: Adjoins Wooded Area, Wooded
Details
- Additional structures: Garage(s)
- Parcel number: 0735333025000
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Brick
Condition
- Year built: 1988
Utilities & green energy
- Electric: Ameren
- Sewer: Aerobic Septic
- Water: Public
Community & HOA
Community
- Security: Smoke Detector(s)
- Subdivision: West Lake Estates Ph 1
HOA
- Has HOA: Yes
- Amenities included: Other
- Services included: Common Area Maintenance
- HOA fee: $38 monthly
- HOA name: West Lake Estates
Location
- Region: Waterloo
Financial & listing details
- Price per square foot: $237/sqft
- Tax assessed value: $359,460
- Annual tax amount: $7,135
- Date on market: 11/4/2025
- Cumulative days on market: 37 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Private
- Road surface type: Chip And Seal
Estimated market value
$505,300
$480,000 - $531,000
$2,892/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/21/2025 | Price change | $520,000-1.9%$237/sqft |
Source:  MARIS #25073869 Report a problem | ||
| 11/18/2025 | Price change | $529,900-2.8%$242/sqft |
Source: MARIS #25073869 Report a problem | ||
| 11/4/2025 | Listed for sale | $545,000+2.8%$249/sqft |
Source: MARIS #25073869 Report a problem | ||
| 10/30/2025 | Listing removed | -- |
Source: Owner Report a problem | ||
| 10/13/2025 | Price change | $529,900-2.8%$242/sqft |
Source: Owner Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $7,135 +13.1% | $119,820 +12.5% |
| 2023 | $6,311 +30.3% | $106,510 +22.4% |
| 2022 | $4,843 | $87,000 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,516/mo
Principal & interest
$2559
Property taxes
$737
Other costs
$220
Climate risks
Neighborhood: 62298
Nearby schools
GreatSchools rating
- 4/10Gardner Elementary SchoolGrades: 4-5Distance: 2.5 mi
- 9/10Waterloo Junior High SchoolGrades: 6-8Distance: 2.6 mi
- 8/10Waterloo High SchoolGrades: 9-12Distance: 2.1 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.
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