5607 Cardinal Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 5607 Cardinal Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,473 sqft · built 1996
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individuals on Record
Tax Bill	$8,403 (2024)
Deeds & Mortgages	Nov 2023 Line of Credit Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-09-350-003-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-350-003-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,473 sqft Living Area
1st Floor Area	2,473 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Cathedral/Clerestory
Lot Area	108,900 sqft (2.5 acres)
Garage Area	880 sqft
Driveway	Concrete Driveway
Driveway Area	3,126 sqft
Porch	Slab
Porch Area	458 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5607 CARDINAL DR
City	WATERLOO
State	IL
Zip	62298-3255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 3 NORTHWOODS ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	09
Legal Subdivision	NORTHWOODS ESTATES
Legal Lot Number	3
Jurisdiction	MONROE IL
Township / Civil Division	28
Census Block Group	4
Census Block	4026
Census Tract	600401

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	2 Individuals on Record
Mailing Address	5607 CARDINAL DR, WATERLOO, IL 62298-3255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Jan 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5607 CARDINAL DR, WATERLOO, IL 62298-3255
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431092
Date	Nov 6, 2023
Instrument	431092

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	8.5%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5607 CARDINAL DR, WATERLOO, IL 62298-3255
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000387775
Date	Jan 11, 2017
Instrument	387775

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 22, 2026

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$151,210 (+18.61%) Land $16,580 Building $134,630	$453,630 (+18.61%) Land $49,740 Building $403,890
2024	$8,403.00
2022	Additional exemption filed	$127,480 Land $16,580 Building $110,900	$382,440 Land $49,740 Building $332,700

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.

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 Policies	5 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

May also be available: T-Mobile, Wisper ISP.

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