Monroe County property record for 5545 State Rte 156, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,650 sqft · built 1978 |
| Lot Size | 5.18 acres (225,641 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,338 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-33-100-007-000 |
| Primary APN | 08-33-100-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 1,650 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Lot Area | 225,641 sqft (5.18 acres) |
| Garage Area | 529 sqft |
| Driveway | Asphalt Driveway |
| Porch | Slab |
|---|---|
| Porch Area | 679 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,786 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5545 STATE ROUTE 156 |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MA2 |
| Legal Description | PART TAX LOT 2 |
| Legal Range | 09W |
| Legal Township | 02S |
| Legal Section | 33 |
| Legal Lot Number | 2 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 600401 |
5545 State Rte 156 is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5545 STATE ROUTE 156, WATERLOO, IL 62298-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage SCOTT CU |
| Nov 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5545 STATE ROUTE 156, WATERLOO, IL 62298-2921 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000420927 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 420927 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5545 STATE ROUTE 156, WATERLOO, IL 62298-2921 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000420926 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 420926 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2041 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 5545 State Rte 156 was $10,338 with a homeowner's exemption, down 3.6% from the year before.
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 | $10,338.00 (-3.58%) Homeowner's exemption Disabled Person's exemption | $184,666 Land $19,546 Building $165,120 | $553,998 (-6.32%) Land $58,638 Building $495,360 |
| 2024 | $10,722.00 | $591,351 Land $61,770 Building $529,581 | |
| 2022 | Additional exemption filed | $161,922 Land $19,472 Building $142,450 | $485,766 Land $58,416 Building $427,350 |
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.
FEMA maps place 5545 State Rte 156 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5545 State Rte 156 is low, with less than a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Verizon, Wisper ISP.
5G (outdoors only) and 4G LTE
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