Monroe County property record for 5157 State Rte 3, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft · built 1992 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Jul 2021) |
| Tax Bill | $4,173 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-22-100-003-000 |
| Primary APN | 11-22-100-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| 1st Floor Area | 1,792 sqft |
| Basement Area | 192 sqft |
| Unfinished Basement | 192 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 87,120 sqft (2 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 224 sqft |
| Porch | Slab |
| Porch Area | 578 sqft |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5157 STATE ROUTE 3 |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART 19G & PART 2F |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 22 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 29 |
| Census Block Group | 2 |
| Census Block | 2052 |
| 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 | 5157 STATE ROUTE 3, WATERLOO, IL 62298-3541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Feb 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2021 · Amount on Record |
| Deed Sale | Jul 1, 2021 · Amount on Record |
| Deed Document Number | 2021418197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 1, 2021 |
| Property Address | 5157 STATE ROUTE 3, WATERLOO, IL 62298-3541 |
| Document Number | 0000418197 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 418197 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5157 STATE ROUTE 3, WATERLOO, IL 62298-3541 |
| Document Number | 0000418198 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 418198 |
| Name | DELMAR FINANCIAL CO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5157 STATE ROUTE 3, WATERLOO, IL 62298-3541 |
| Document Number | 0000400120 |
| Instrument Date | Feb 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5157 STATE ROUTE 3 WATERLOO IL 622983541, WATERLOO, IL 62298-3541 |
| Document Number | 0000400120 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 400120 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 2049 |
| Rate | 4.62% |
|---|
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 | $4,173.00 (-3.47%) Homeowner's exemption | $76,580 (+15.68%) Land $10,480 Building $66,100 | $229,740 (+15.68%) Land $31,440 Building $198,300 |
| 2024 | $4,323.00 | ||
| 2022 | Additional exemption filed | $66,200 Land $10,480 Building $55,720 | $198,600 Land $31,440 Building $167,160 |
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 | 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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