Monroe County property record for 5061 Kern Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 3,226 sqft · built 2005 |
| Lot Size | 28.7 acres (1,251,914 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $15,112 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-21-200-009-000 |
| Primary APN | 11-21-200-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,226 sqft Living Area |
| 1st Floor Area | 3,226 sqft |
| Basement Area | 3,226 sqft |
| Unfinished Basement | 3,226 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 1,251,914 sqft (28.7 acres) |
| Garage Area | 1,448 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,528 sqft |
| Porch | Slab |
| Porch Area | 76 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5061 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 S/2 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 |
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 | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK WATERLOO |
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Aug 12, 2020 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000427857 |
|---|---|
| Date | Feb 9, 2023 |
| Instrument | 427857 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000416421 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 416421 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000416422 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 416422 |
| 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 | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000402668 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 402668 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5061 KERN RD, WATERLOO, IL 62298-3925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000410160 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 410160 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Construction 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 | $15,112.00 (-3.58%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $286,839 (+42.44%) Land $19,109 Building $267,730 | $860,517 (-6.16%) Land $57,327 Building $803,190 |
| 2024 | $15,673.00 | $916,962 (+51.78%) Land $56,631 Building $860,331 | |
| 2022 | Additional exemption filed | $201,382 Land $16,652 Building $184,730 | $604,146 Land $49,956 Building $554,190 |
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 | 30 / 3 |
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