Monroe County property record for 4826 Kern Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1957 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Dec 2019) |
| Tax Bill | $3,292 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-22-300-002-000 |
| Primary APN | 11-22-300-002-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Construction Type | Frame |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Mixed |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4826 KERN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | TAX LOT 20B & PART TAX LOT 20D |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 22 |
| Legal Lot Number | 20B,20D |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 29 |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 600501 |
Source: Monroe County records, as of October 20, 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 | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Jan 14, 2021 | Intrafamily Transfer, Transfer |
| Sep 21, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 13, 2019 | Executor's Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on Record |
| Deed Sale | Dec 13, 2019 · Amount on Record |
| Deed Document Number | 2019405221 |
| Last Transfer Date | Dec 10, 2020 |
| Transfer Doc | 0000414207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000422538 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 422538 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000420833 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 420833 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | COLUMBIA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414357 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 414357 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | COLUMBIA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414359 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 414359 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 14, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 14, 2021 |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Document Number | 0000414207 |
| Map Reference | MB A PG 18 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 414207 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 21, 2020 |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Document Number | 0000411072 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 411072 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 418 SYCAMORE DR WATERLOO IL 622981740, WATERLOO, IL 62298-1740 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 13, 2019 |
| Property Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Document Number | 0000405221 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 405221 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4826 KERN RD, WATERLOO, IL 62298-3920 |
| Document Number | 0000405222 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 405222 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed 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 | $3,292.00 (+0.12%) | $55,460 (+17.41%) Land $10,480 Building $44,980 | $166,380 (+17.41%) Land $31,440 Building $134,940 |
| 2024 | $3,288.00 | ||
| 2022 | $47,235 Land $10,925 Building $36,310 | $141,705 Land $32,775 Building $108,930 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 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 | 100 / 20 |
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