5314 Lemen Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5314 Lemen Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,662 sqft · built 1997
Lot Size	2.52 acres (109,771 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,366 (2024)
Deeds & Mortgages	Oct 2019 Line of Credit Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-13-401-067-000`

Property Details

APN / Parcel Number

Primary APN	`10-13-401-067-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	109,771 sqft (2.52 acres)
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	400 sqft

Exterior Amenities

Porch	Slab
Porch Area	368 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5314 LEMEN RD
City	WATERLOO
State	IL
Zip	62298-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART NW SE
Legal Range	10W
Legal Township	03S
Legal Section	13
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1009
Census Tract	600501

Owner

Source: Monroe County records · APN 10-13-401-067-000

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	2 Individual Names on File
Mailing Address	5314 LEMEN RD, WATERLOO, IL 62298-3320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5314 LEMEN RD, WATERLOO, IL 62298-3320
Document Number	0000404610
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5314 LEMEN RD WATERLOO IL 622983320, WATERLOO, IL 62298-3320

Mortgage

Document Number	0000404610
Date	Nov 06, 2019
Instrument	404610

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 05, 2029

Interest

Rate Type	Adjustable Rate
Rate	4.75%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5314 LEMEN RD, WATERLOO, IL 62298-3320
Document Number	0000388369
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Mar 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5314 LEMEN RD WATERLOO IL 622983320, WATERLOO, IL 62298-3320

Mortgage

Document Number	0000388369
Date	Feb 17, 2017
Instrument	388369

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 16, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$90,670 (+10.1%) Land $12,570 Building $78,100	$272,010 (+10.1%) Land $37,710 Building $234,300
2024	$4,366.00
2022	Homeowner's exemption Additional exemption filed	$82,350 Land $12,570 Building $69,780	$247,050 Land $37,710 Building $209,340

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 Claims	1 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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	50 / 10

Based on FCC filings for 3 locations within half a mile of this property.

Nearby Properties on Lemen Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures