5406 G Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5406 G Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,502 sqft · built 2003
Lot Size	20.6 acres (899,078 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,147 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-18-400-005-000`

Property Details

APN / Parcel Number

Primary APN	`11-18-400-005-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,502 sqft Living Area
1st Floor Area	2,502 sqft
Basement Area	2,502 sqft
Unfinished Basement	2,502 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	899,078 sqft (20.6 acres)
Garage Area	624 sqft
Porch	Slab
Porch Area	636 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5406 G RD
City	WATERLOO
State	IL
Zip	62298-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOTS 8, 11B & 13
Legal Range	09W
Legal Township	03S
Legal Section	18
Legal Lot Number	11B,8
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2026
Census Tract	600501

Owner

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	5406 G RD, WATERLOO, IL 62298-3432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage VA
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Sep 4, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN HM LNDG USA
Oct 25, 2018	Deed of Trust, Mortgage · VA Mortgage AMERICAN HM LNDG USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5406 G RD, WATERLOO, IL 62298-3432
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427921
Date	Feb 15, 2023
Instrument	427921

Lender

Name	VA
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Nov 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5406 G RD, WATERLOO, IL 62298-3432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000411713
Date	Oct 15, 2020
Instrument	411713

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5406 G RD, WATERLOO, IL 62298-3432
Document Number	0000403471
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5406 G RD WATERLOO IL 622983432, WATERLOO, IL 62298-3432

Mortgage

Document Number	0000403471
Date	Sep 10, 2019
Instrument	403471

Lender

Name	AMERICAN HM LNDG USA
Address	EDWARDSVILLE, IL 62025

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5406 G RD, WATERLOO, IL 62298-3432
Document Number	0000398602
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5406 G RD WATERLOO IL 622983432, WATERLOO, IL 62298-3432

Mortgage

Document Number	0000398602
Date	Nov 5, 2018
Instrument	398602

Lender

Name	AMERICAN HM LNDG USA
Address	EDWARDSVILLE, IL 62025

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,147.00 (-2.45%) Homeowner's exemption	$161,234 (+18.2%) Land $17,264 Building $143,970	$483,702 (-5.34%) Land $51,792 Building $431,910
2024	$9,377.00		$510,999 (+24.87%) Land $51,690 Building $459,309
2022	Additional exemption filed	$136,408 Land $15,328 Building $121,080	$409,224 Land $45,984 Building $363,240

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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.

Wildfire

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

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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