5771 Lrc Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5771 Lrc Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,240 sqft · built 1860
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,166 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-10-400-003-000`

Property Details

APN / Parcel Number

Primary APN	`10-10-400-003-000`
Alternative APN	`10100000002000 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,240 sqft Building Perimeter
1st Floor Area	640 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Construction Type	Frame
Foundation Type	Raised
Lot Area	44,867 sqft (1.03 acres)

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5771 LRC RD
City	WATERLOO
State	IL
Zip	62298-6555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	TAX LOT 12C 0147207
Legal Range	10W
Legal Township	03S
Legal Section	10
Legal Lot Number	12C
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1028
Census Tract	600501

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	5771 LRC RD, WATERLOO, IL 62298-6555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Line of Credit FCB BANKS
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Jan 17, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage COLUMBIA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5771 LRC RD, WATERLOO, IL 62298-6555
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441590
Date	Mar 11, 2026
Instrument	441590

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5771 LRC RD, WATERLOO, IL 62298-6555
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419279
Date	Aug 23, 2021
Instrument	419279

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5771 LRC RD, WATERLOO, IL 62298-6555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000387836
Date	Jan 17, 2017
Instrument	387836

Lender

Name	COLUMBIA NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

Interest

Rate Type	Fixed Rate
Rate	3.75%

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	$3,166.00 (+4.94%) Homeowner's exemption	$63,320 (+37.35%) Land $8,420 Building $54,900	$189,960 (+37.35%) Land $25,260 Building $164,700
2024	$3,017.00 (+38.14%)
2022	$2,184.00 Homeowner's exemption Additional exemption filed	$46,100 Land $8,420 Building $37,680	$138,300 Land $25,260 Building $113,040

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wisper ISP Fixed Wireless	100 / 20
Harrisonville Telephone Company DSL	50 / 10
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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