5612 Cardinal Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 5612 Cardinal Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,458 sqft · built 1999
Lot Size	2.55 acres (111,078 sqft)
Owner	Company Name on Record
Tax Bill	$7,952 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-09-350-001-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-350-001-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,458 sqft Building Perimeter
1st Floor Area	1,458 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Foundation Type	Raised
Lot Area	111,078 sqft (2.55 acres)
Garage Area	726 sqft
Driveway	Concrete Driveway
Driveway Area	528 sqft
Porch	Slab
Porch Area	55 sqft
Patio Area	703 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5612 CARDINAL DR
City	WATERLOO
State	IL
Zip	62298-3275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 1 NORTHWOODS ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	09
Legal Subdivision	NORTHWOODS ESTATES
Legal Lot Number	1
Jurisdiction	MONROE IL
Township / Civil Division	28
Census Block Group	4
Census Block	4026
Census Tract	600401

Owner

Source: Monroe County records, as of October 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	5612 CARDINAL DR, WATERLOO, IL 62298-3275
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
May 18, 2018	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 5, 2024
Transfer Doc	0000435665
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5612 CARDINAL DR, WATERLOO, IL 62298-3275
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413736
Date	Dec 28, 2020
Instrument	413736

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5612 CARDINAL DR, WATERLOO, IL 62298-3275
Document Number	0000396233
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5612 CARDINAL DR WATERLOO IL 622983275, WATERLOO, IL 62298-3275

Mortgage

Document Number	0000396233
Date	Jun 5, 2018
Instrument	396233

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 4, 2028

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$7,952.00 (+8.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$148,240 (+50.1%) Land $16,750 Building $131,490	$444,720 (+50.1%) Land $50,250 Building $394,470
2024	$7,356.00
2022	Additional exemption filed	$98,760 Land $16,750 Building $82,010	$296,280 Land $50,250 Building $246,030

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 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 95% of the US · lower than 70% 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 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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