5320 Lrc Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5320 Lrc Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,481 sqft · built 1878
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$477,500 (May 2022)
Tax Bill	$6,162 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-14-300-002-000`

Property Details

APN / Parcel Number

Primary APN	`10-14-300-002-000`
Alternative APN	`10140000000500 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,481 sqft Building Perimeter
1st Floor Area	1,215 sqft
Upper Floors Area	266 sqft

Exterior

Year Built	Built 1878
Effective Year Built	Effective 1878
Construction Type	Frame
Lot Area	871,200 sqft (20 acres)

Exterior Amenities

Porch	Porch
Porch Area	360 sqft
Deck Area	Deck Area
Patio Area	718 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5320 LRC RD
City	WATERLOO
State	IL
Zip	62298-6546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART NW SW
Legal Range	10W
Legal Township	03S
Legal Section	14
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1020
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 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	5320 LRC RD, WATERLOO, IL 62298-6546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2022 · Amount on Record
Deed Sale	May 5, 2022 · Amount on Record
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 5, 2022
Property Address	5320 LRC RD, WATERLOO, IL 62298-6546
Document Number	0000424128
Instrument Date	May 4, 2022
Instrument	424128
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	TOWN AND COUNTRY TITLE, TOWN & COUNTRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$716.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7812 WHITE TAIL CIR, 7812, WATERLOO, IL 62298-6070

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5320 LRC RD, WATERLOO, IL 62298-6546

Mortgage

Document Number	0000424129
Date	May 5, 2022
Instrument	424129

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.38%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$112,453 (+30.63%) Land $15,513 Building $96,940
2024	$6,162.00		$337,458 (+30.67%) Land $47,508 Building $289,950
2022	Additional exemption filed	$86,084 Land $14,474 Building $71,610	$258,252 Land $43,422 Building $214,830

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lrc Rd

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