5613 Cardinal Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 5613 Cardinal Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,241 sqft · built 1997
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,000 (Jul 2019)
Tax Bill	$8,766 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jan 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-350-004-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-350-004-000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	2,241 sqft Living Area
1st Floor Area	2,241 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Foundation Type	Raised
Lot Area	108,900 sqft (2.5 acres)
Garage Area	748 sqft
Driveway	Concrete Driveway
Driveway Area	3,368 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	209 sqft
Porch	Slab
Porch Area	337 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5613 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 4 NORTHWOODS ESTATES
Legal Range	09W
Legal Township	02S
Legal Section	09
Legal Subdivision	NORTHWOODS ESTATES
Legal Lot Number	4
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 20, 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	5613 CARDINAL DR, WATERLOO, IL 62298-3255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jan 19, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK WATERLOO
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2019402214
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5613 CARDINAL DR, WATERLOO, IL 62298-3255
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431669
Date	Jan 2, 2024
Instrument	431669

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5613 CARDINAL DR, WATERLOO, IL 62298-3255
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414259
Date	Jan 19, 2021
Instrument	414259

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 1, 2019
Property Address	5613 CARDINAL DR, WATERLOO, IL 62298-3255
Document Number	0000402214
Instrument Date	Jun 28, 2019
Instrument	402214
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5613 CARDINAL DR, WATERLOO, IL 62298-3255

Mortgage

Document Number	0000402215
Date	Jul 1, 2019
Instrument	402215

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4%

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	$8,766.00 (+4.71%) Homeowner's exemption	$150,670 (+38.23%) Land $16,580 Building $134,090	$452,010 (+38.23%) Land $49,740 Building $402,270
2024	$8,372.00
2022	Additional exemption filed	$109,000 Land $16,580 Building $92,420	$327,000 Land $49,740 Building $277,260

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 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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