Monroe County property record for 5414 Lemen Rd, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,319 sqft · built 2019 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,580 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-13-200-003-000 |
| Primary APN | 10-13-200-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 2,319 sqft Living Area |
| 1st Floor Area | 2,319 sqft |
| Basement Area | 2,319 sqft |
| Unfinished Basement | 2,319 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 999 sqft |
| Cooling System | Central |
|---|
| Street Address | 5414 LEMEN RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA1 |
| Legal Description | PART SW NE |
| Legal Range | 10W |
| Legal Township | 03S |
| Legal Section | 13 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 12 |
| Census Block Group | 1 |
| Census Block | 1009 |
| 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 | 5414 LEMEN RD, WATERLOO, IL 62298-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Sep 14, 2019 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5414 LEMEN RD, WATERLOO, IL 62298-3322 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000416933 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 416933 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5414 LEMEN RD, WATERLOO, IL 62298-3322 |
| Document Number | 0000403758 |
| Instrument Date | Sep 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5414 LEMEN RD WATERLOO IL 622983322, WATERLOO, IL 62298-3322 |
| Document Number | 0000403758 |
|---|---|
| Date | Sep 24, 2019 |
| Instrument | 403758 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 23, 2049 |
| Rate | 3.5% |
|---|
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 | $7,580.00 (-0.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $133,098 (+5.02%) Land $13,398 Building $119,700 | $399,294 (-6.18%) Land $40,194 Building $359,100 |
| 2024 | $7,622.00 | $425,616 Land $41,619 Building $383,997 | |
| 2022 | Disabled Person's exemption Veteran's exemption Additional exemption filed | $126,732 Land $13,012 Building $113,720 |
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 |
|---|---|
| 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 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 | 50 / 10 |
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