5406 Lrc Rd, Waterloo, IL 62298 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,786 sqft · built 2018
Lot Size	9.9 acres (431,244 sqft)
Owner	Company Name on File
Tax Bill	$10,092 (2024)
Deeds & Mortgages	May 2022 Transfer May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-14-165-005-000`

Property Details

APN / Parcel Number

Primary APN	`10-14-165-005-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	2,786 sqft Living Area
1st Floor Area	2,786 sqft
Basement Area	2,786 sqft
Unfinished Basement	2,786 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick/Stone
Lot Area	431,244 sqft (9.9 acres)
Garage Area	936 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5406 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 5 SCHULYA MEADOWS
Legal Range	10W
Legal Township	03S
Legal Section	14
Legal Subdivision	SCHULYA MEADOWS
Legal Lot Number	5
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	Company Name on File
Mailing Address	5406 LRC RD, WATERLOO, IL 62298-6548
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Intrafamily Transfer, Transfer
May 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Oct 3, 2017	Trustee's Deed, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	May 6, 2022
Transfer Doc	0000424169
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	May 9, 2022
Property Address	5406 LRC RD, WATERLOO, IL 62298-6548
Document Number	0000424169
Instrument Date	May 2, 2022
Instrument	424169
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5406 LRC RD, WATERLOO, IL 62298-6548
Investor	Possibly a Property Investor

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5406 LRC RD, WATERLOO, IL 62298-6548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395597
Date	May 2, 2018
Instrument	395597

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2028

Interest

Rate Type	Fixed Rate

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Oct 3, 2017
Property Address	5406 LRC RD, WATERLOO, IL 62298-6548
Instrument Date	Sep 22, 2017
Instrument	392267
Transaction Type	Construction Loan
Record Updated	Oct 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5406 LRC RD WATERLOO IL 62298, WATERLOO, IL 62298

Mortgage

Document Number	0000392267
Date	Oct 3, 2017
Instrument	392267

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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		$196,760 (+12.02%) Land $31,620 Building $165,140	$590,280 (+12.02%) Land $94,860 Building $495,420
2024	$10,092.00
2022	Homeowner's exemption Additional exemption filed	$175,640 Land $31,620 Building $144,020	$526,920 Land $94,860 Building $432,060

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
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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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