Monroe County property record for 5031 Kern Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,570 sqft · built 1960 |
| Lot Size | 10.3 acres (451,282 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Sep 2026) |
| Tax Bill | $4,449 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jun 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-21-200-011-000 |
| Primary APN | 11-21-200-011-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,570 sqft Living Area |
| 1st Floor Area | 2,570 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 451,282 sqft (10.3 acres) |
| Garage Area | 754 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5031 KERN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART SE NE |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 21 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 29 |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 600501 |
5031 Kern Rd is owned and occupied by an individual who bought it in September 2026.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 25, 2026 | Deed, Transfer COMMUNITY TITLE |
| Jun 29, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2026 · Amount on File |
| Deed Sale | Sep 25, 2026 · Amount on File |
| Deed Document Number | 2026444530 |
| Prior Transfer Date | Jun 22, 2020 |
| Prior Transfer Doc | 0000409108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 25, 2026 |
| Property Address | 5031 KERN RD, WATERLOO, IL 62298-3925 |
| Document Number | 0000444530 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 2026444530 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $34,087.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jun 29, 2020 |
| Property Address | 5031 KERN RD, WATERLOO, IL 62298-3925 |
| Document Number | 0000409108 |
| Instrument Date | Jun 22, 2020 |
| Instrument | 409108 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 5031 KERN RD WATERLOO IL 622983925, WATERLOO, IL 62298-3925 |
The 2025 property tax bill for 5031 Kern Rd was $4,449 with a homeowner's exemption, up 63.2% from the year before.
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 | $4,449.00 (+63.21%) Homeowner's exemption Senior Citizen's exemption | $86,286 Land $15,156 Building $71,130 | $258,858 (-4.66%) Land $45,468 Building $213,390 |
| 2024 | $2,726.00 | $271,503 Land $46,353 Building $225,150 | |
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $73,366 Land $14,126 Building $59,240 | $220,098 Land $42,378 Building $177,720 |
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.
FEMA maps place 5031 Kern Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 5031 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 | 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 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 | 30 / 3 |
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