5716 Cardinal Dr, Waterloo, IL 62298 Property Records

Monroe County property record for 5716 Cardinal Dr, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,040 sqft · built 1991
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$198,500 (May 2019)
Tax Bill	$4,069 (2024)
Deeds & Mortgages	Nov 2019 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-349-002-000`

Property Details

APN / Parcel Number

Primary APN	`08-09-349-002-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	108,900 sqft (2.5 acres)
Garage Area	2,016 sqft
Driveway	Concrete Driveway
Driveway Area	3,168 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	92 sqft
Deck Area	226 sqft
Patio Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5716 CARDINAL DR
City	WATERLOO
State	IL
Zip	62298-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOT 2 LAKEWOOD PLACE
Legal Range	09W
Legal Township	02S
Legal Section	09
Legal Subdivision	LAKEWOOD PLACE
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	28
Census Block Group	4
Census Block	4026
Census Tract	600401

Owner

Source: Monroe County records · APN 08-09-349-002-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	5716 CARDINAL DR, WATERLOO, IL 62298-3245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO
May 28, 2019	Grant Deed, Transfer · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2019 · Amount on Record
Deed Sale	May 28, 2019 · Amount on Record
Deed Document Number	2019401638
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5716 CARDINAL DR, WATERLOO, IL 62298-3245
Document Number	0000405057
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	COLUMBIA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5716 CARDINAL DR WATERLOO IL 622983245, WATERLOO, IL 62298-3245

Mortgage

Document Number	0000405057
Date	Dec 05, 2019
Instrument	405057

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 04, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.25%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5716 CARDINAL DR, WATERLOO, IL 62298-3245
Document Number	0000405056
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	COLUMBIA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5716 CARDINAL DR WATERLOO IL 622983245, WATERLOO, IL 62298-3245

Mortgage

Document Number	0000405056
Date	Dec 05, 2019
Instrument	405056

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 04, 2034

Interest

Rate	3%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	May 28, 2019
Property Address	5716 CARDINAL DR, WATERLOO, IL 62298-3245
Document Number	0000401638
Instrument Date	May 24, 2019
Instrument	401638
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$297.75
Amount Accuracy	Confirmed
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	5716 CARDINAL DR WATERLOO IL 622983245, WATERLOO, IL 62298-3245

Mortgage

Document Number	401639
Date	May 28, 2019
Instrument	401639

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 27, 2020

Interest

Rate Type	Adjustable Rate
Rate	4.98%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$66,160 (-) Land $16,580 Building $49,580	$198,480 (-) Land $49,740 Building $148,740
2024	$4,069.00
2022		$66,160 Land $16,580 Building $49,580	$198,480 Land $49,740 Building $148,740

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
HTC Holding Fiber	1,000 / 1,000

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

Based on FCC filings for 28 locations within half a mile of this property.

Nearby Properties on Cardinal Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures