5404 Lrc Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5404 Lrc Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,568 sqft · built 2008
Lot Size	3.02 acres (131,551 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,615 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-14-165-002-000`

Property Details

APN / Parcel Number

Primary APN	`10-14-165-002-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	131,551 sqft (3.02 acres)
Garage Area	462 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5404 LRC RD
City	WATERLOO
State	IL
Zip	62298-6548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA2
Legal Description	LOT 2 SCHULYA MEADOWS
Legal Range	10W
Legal Township	03S
Legal Section	14
Legal Subdivision	SCHULYA MEADOWS
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1020
Census Tract	600501

Owner

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

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	5404 LRC RD, WATERLOO, IL 62298-6548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Aug 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5404 LRC RD, WATERLOO, IL 62298-6548
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422740
Date	Feb 18, 2022
Instrument	422740

Lender

Name	JLB CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	216 Months
Due	Mar 1, 2040

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5404 LRC RD, WATERLOO, IL 62298-6548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BENCHMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403131
Date	Aug 22, 2019
Instrument	403131

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2039

Interest

Rate Type	Fixed Rate

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		$91,320 (+13.08%) Land $9,650 Building $81,670	$273,960 (+13.08%) Land $28,950 Building $245,010
2024	$4,615.00
2022	Additional exemption filed	$80,760 Land $9,650 Building $71,110	$242,280 Land $28,950 Building $213,330

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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)
HTC Holding 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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