Monroe County property record for 4701 Kern Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,400 sqft · built 1971 |
| Lot Size | 40 acres (1,742,400 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,126 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-28-200-002-000 |
| Primary APN | 11-28-200-002-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 1,400 sqft |
| Unfinished Basement | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 1,742,400 sqft (40 acres) |
| Garage Area | 672 sqft |
| Porch | Slab |
| Porch Area | 688 sqft |
| Patio Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4701 KERN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-4041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART E/2 NE |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 28 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 29 |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 600501 |
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4701 KERN RD, WATERLOO, IL 62298-4041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS |
| Jul 3, 2017 | Loan Modification, Mortgage COLUMBIA NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4701 KERN RD, WATERLOO, IL 62298-4041 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000423658 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 423658 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4701 KERN RD, WATERLOO, IL 62298-4041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000412682 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 412682 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4701 KERN RD, WATERLOO, IL 62298-4041 |
| Document Number | 0000390979 |
| Instrument Date | Jul 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4701 KERN RD WATERLOO IL 622984041, WATERLOO, IL 62298-4041 |
| Document Number | 0000390979 |
|---|---|
| Date | Jul 19, 2017 |
| Instrument | 390979 |
| Name | COLUMBIA NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, IL 62236 |
| Term | 36 Months |
|---|---|
| Due | Jul 18, 2020 |
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 | $4,126.00 (-2.44%) Homeowner's exemption | $81,110 (+14.11%) Land $22,370 Building $58,740 | $243,330 (-4.7%) Land $67,110 Building $176,220 |
| 2024 | $4,229.00 | $255,339 (+19.74%) Land $64,803 Building $190,536 | |
| 2022 | Homeowner's exemption Additional exemption filed | $71,080 Land $18,560 Building $52,520 | $213,240 Land $55,680 Building $157,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL | 30 / 3 |
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