Monroe County property record for 5021 Rock Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,732 sqft · built 1992 |
| Lot Size | 7.99 acres (348,044 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,256 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-21-400-004-000 |
| Primary APN | 10-21-400-004-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,732 sqft Building Perimeter |
| 1st Floor Area | 1,485 sqft |
| Upper Floors Area | 247 sqft |
| Basement Area | 1,732 sqft |
| Unfinished Basement | 1,732 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Frame |
| Lot Area | 348,044 sqft (7.99 acres) |
| Garage Area | 696 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 483 sqft |
| Deck Area | 120 sqft |
| Patio Area | 130 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5021 ROCK RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART NE SE |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 21 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 23 |
| Census Block Group | 1 |
| Census Block | 1068 |
| Census Tract | 600501 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5021 ROCK RD, WATERLOO, IL 62298-3617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2020 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Jun 14, 2017 | Deed of Trust, Mortgage · Conventional with PMI STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5021 ROCK RD, WATERLOO, IL 62298-3617 |
| Document Number | 0000409252 |
| Instrument Date | Jun 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2020 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5021 ROCK RD WATERLOO IL 622983617, WATERLOO, IL 62298-3617 |
| Document Number | 0000409252 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 409252 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 7, 2050 |
| Rate | 3% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5021 ROCK RD, WATERLOO, IL 62298-3617 |
| Document Number | 0000390503 |
| Instrument Date | Jun 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5021 ROCK RD WATERLOO IL 622983617, WATERLOO, IL 62298-3617 |
| Document Number | 0000390503 |
|---|---|
| Date | Jun 21, 2017 |
| Instrument | 390503 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2047 |
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 | $7,256.00 (+18.68%) Homeowner's exemption | $127,938 (+20.84%) Land $13,728 Building $114,210 | $383,814 (+14.58%) Land $41,184 Building $342,630 |
| 2024 | $6,114.00 | $334,980 (+5.46%) Land $42,747 Building $292,233 | |
| 2022 | Additional exemption filed | $105,875 Land $13,215 Building $92,660 | $317,625 Land $39,645 Building $277,980 |
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 Claims | 1 (1993) |
| Most Recent Claim | Aug 1993 · Severe Storms & Flooding |
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 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL | 50 / 10 |
May also be available: Verizon, Wisper ISP.
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