Monroe County property record for 4509 Kern Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,528 sqft · built 1978 |
| Lot Size | 5.35 acres (233,046 sqft) |
| Owner | Trust Name on File |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-27-300-004-000 |
| Primary APN | 11-27-300-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,528 sqft Building Perimeter |
| 1st Floor Area | 828 sqft |
| Upper Floors Area | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 233,046 sqft (5.35 acres) |
| Garage Type | Built-in |
| Garage Area | 506 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 276 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 289 sqft |
| Deck Area | 108 sqft |
| Patio Area | 374 sqft |
| Shed | 1 Shed |
| Shed Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4509 KERN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | TAX LOT 7A, PART SW SW & PART NW NW SEC 34 |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Lot Number | 7A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 29 |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 600501 |
4509 Kern Rd is owner-occupied and held in a trust.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 4509 KERN RD, WATERLOO, IL 62298-4037 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4509 KERN RD, WATERLOO, IL 62298-4037 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000429900 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 429900 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Disabled Person's exemption | $83,210 Land $19,340 Building $63,870 | $249,630 Land $58,020 Building $191,610 |
| 2022 | Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $80,280 Land $19,340 Building $60,940 | $240,840 Land $58,020 Building $182,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4509 Kern Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4509 Kern Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL | 10 / 1 |
5G and 4G LTE (outdoors only)
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