5151 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 5151 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,426 sqft · built 1966
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Tax Bill	$2,862 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-22-100-004-000`

Property Details

APN / Parcel Number

Primary APN	`11-22-100-004-000`
Alternative APN	`11220000000400 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,426 sqft Building Perimeter
1st Floor Area	930 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	21,344 sqft (0.49 acres)
Garage Area	625 sqft
Driveway	Asphalt Driveway
Driveway Area	216 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5151 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOT 2B
Legal Range	09W
Legal Township	03S
Legal Section	22
Legal Lot Number	2B
Jurisdiction	MONROE IL
Township / Civil Division	29
Census Block Group	2
Census Block	2052
Census Tract	600501

Owner

Source: Monroe County records · APN 11-22-100-004-000

Assessment roll updated August 29, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5151 STATE ROUTE 3, WATERLOO, IL 62298-3519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Dec 19, 2019	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE
Nov 01, 2017	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5151 STATE ROUTE 3, WATERLOO, IL 62298-3519
Transaction Type	Mortgage
Record Updated	Feb 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000411946
Date	Oct 23, 2020
Instrument	411946

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2050

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5151 STATE ROUTE 3, WATERLOO, IL 62298-3519
Document Number	0000405371
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5151 STATE ROUTE 3 WATERLOO IL 622983519, WATERLOO, IL 62298-3519

Mortgage

Document Number	0000405371
Date	Dec 26, 2019
Instrument	405371

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Interest

Rate Type	Fixed Rate
Rate	3.25%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5151 STATE ROUTE 3, WATERLOO, IL 62298-3519
Document Number	0000392828
Instrument Date	Nov 01, 2017
Transaction Type	Mortgage
Record Updated	Nov 17, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5151 STATE ROUTE 3 WATERLOO IL 622983519, WATERLOO, IL 62298-3519

Mortgage

Document Number	0000392828
Date	Nov 07, 2017
Instrument	392828

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 06, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$53,160 (+16.5%) Land $6,480 Building $46,680	$159,480 (+16.5%) Land $19,440 Building $140,040
2024	$2,862.00
2022	Additional exemption filed	$45,630 Land $6,480 Building $39,150	$136,890 Land $19,440 Building $117,450

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
HTC Holding DSL	30 / 3

Based on FCC filings for 13 locations within half a mile of this property.

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