Monroe County property record for 5057 Rock Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,945 sqft · built 1988 |
| Lot Size | 11.7 acres (512,266 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,341 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-21-200-009-000 |
| Primary APN | 10-21-200-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,945 sqft Living Area |
| 1st Floor Area | 1,945 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 512,266 sqft (11.7 acres) |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5057 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 SE NE |
| 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 |
5057 Rock Rd is owned and occupied by two individuals who acquired it in December 2020.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5057 ROCK RD, WATERLOO, IL 62298-3617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK |
| Apr 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK |
| Dec 15, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 13, 2020 |
| Transfer Doc | 0000413382 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5057 ROCK RD, WATERLOO, IL 62298-3617 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000423550 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 423550 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5057 ROCK RD, WATERLOO, IL 62298-3617 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000416389 |
|---|---|
| Date | Apr 13, 2021 |
| Instrument | 416389 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 15, 2020 |
| Property Address | 5057 ROCK RD, WATERLOO, IL 62298-3617 |
| Document Number | 0000413382 |
| Instrument Date | Dec 13, 2020 |
| Instrument | 413382 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5057 ROCK RD WATERLOO IL 622983617, WATERLOO, IL 62298-3617 |
The 2025 property tax bill for 5057 Rock Rd was $5,341, up 10.1% 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 | $5,341.00 (+10.12%) Homeowner's exemption | $95,486 Land $13,236 Building $82,250 | $286,458 (+6.3%) Land $39,708 Building $246,750 |
| 2024 | $4,850.00 | $269,472 Land $41,514 Building $227,958 | |
| 2022 | Additional exemption filed | $61,922 Land $12,952 Building $48,970 | $185,766 Land $38,856 Building $146,910 |
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 5057 Rock Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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.
Wildfire risk around 5057 Rock 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 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.
5G (outdoors only) and 4G LTE
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