5554 Lrc Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5554 Lrc Rd, Waterloo, IL 62298

Property Summary

Property Type	Mobile Home
Details	3 bd · 3 ba · 1,372 sqft · built 1987
Lot Size	2.5 acres (108,900 sqft)
Owner	Trust Name on Record
Tax Bill	$1,900 (2024)
Deeds & Mortgages	Apr 2026 Construction Loan May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-14-100-001-800`

Property Details

APN / Parcel Number

Primary APN	`10-14-100-001-800`
Alternative APN	`10-14-100-001-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Mobile Home
Lot Area	108,900 sqft (2.5 acres)
Garage Area	840 sqft
Deck Area	72 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5554 LRC RD
City	WATERLOO
State	IL
Zip	62298-6550
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	MA1
Legal Description	PART N/2 NW
Legal Range	10W
Legal Township	03S
Legal Section	14
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1020
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	5554 LRC RD, WATERLOO, IL 62298-6550
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Construction Mortgage STATE BANK
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jul 17, 2020	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 16, 2020
Transfer Doc	0000409488
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 15, 2026
Property Address	5554 LRC RD, WATERLOO, IL 62298-6550
Document Number	0000442099
Instrument Date	Apr 6, 2026
Instrument	2026442099
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	5560 LRC RD, WATERLOO, IL 62298-6550

Mortgage

Document Number	0000442099,
Date	Apr 15, 2026
Instrument	2026442099

Lender

Name	STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	8.11%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5554 LRC RD, WATERLOO, IL 62298-6550
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416909
Date	May 5, 2021
Instrument	416909

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2031

Interest

Rate Type	Fixed Rate

July 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MONROE IL
Recording Date	Jul 17, 2020
Property Address	5554 LRC RD, WATERLOO, IL 62298-6550
Document Number	0000409488
Instrument Date	Jul 16, 2020
Instrument	409488
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5560 LRC RD WATERLOO IL 622986550, WATERLOO, IL 62298-6550

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		$42,040 (+51.28%) Land $12,500 Building $29,540	$126,120 (+51.28%) Land $37,500 Building $88,620
2024	$1,900.00
2022	Additional exemption filed	$27,790 Land $12,500 Building $15,290	$83,370 Land $37,500 Building $45,870

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

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

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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