Monroe County property record for 5324 Oak Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,054 sqft · built 1989 |
| Lot Size | 2.62 acres (114,127 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,544 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-17-117-024-000 |
| Primary APN | 11-17-117-024-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,054 sqft Living Area |
| 1st Floor Area | 2,054 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 114,127 sqft (2.62 acres) |
| Garage Area | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 665 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 114 sqft |
| Deck Area | 752 sqft |
| Patio Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5324 OAK LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | LOT 24 GRAND TERRACE 0158312 |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 17 |
| Legal Subdivision | GRAND TERRACE |
| Legal Lot Number | 24 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2026 |
| 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 | 5324 OAK LN, WATERLOO, IL 62298-3400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Nov 29, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK WATERLOO |
| Jan 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5324 OAK LN, WATERLOO, IL 62298-3400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441193 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 441193 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 5, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5324 OAK LN, WATERLOO, IL 62298-3400 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000421137 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 421137 |
| 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 | 5324 OAK LN, WATERLOO, IL 62298-3400 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000421135 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 421135 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5324 OAK LN, WATERLOO, IL 62298-3400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000399631 |
|---|---|
| Date | Jan 22, 2019 |
| Instrument | 399631 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional 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 | $7,544.00 Homeowner's exemption | $133,790 (+8.23%) Land $12,550 Building $121,240 | $401,370 (+8.23%) Land $37,650 Building $363,720 |
| 2024 | $7,544.00 | ||
| 2022 | Additional exemption filed | $123,620 Land $12,550 Building $111,070 | $370,860 Land $37,650 Building $333,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 94% of the US · lower than 65% 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.
Source: FCC Broadband Data Collection, based on 33 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 · Fiber in parts of the area | 100 / 20 |
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