5819 Lrc Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5819 Lrc Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	5 bd · 8 ba · 3,618 sqft · built 1999
Lot Size	20 acres (871,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,771 (2025)
Deeds & Mortgages	May 2017 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-10-300-013-000`

Property Details

APN / Parcel Number

Primary APN	`10-10-300-013-000`
Alternative APN	`10100000002100 00`

Interior

Bedrooms	5 Beds
Full Baths	8 Baths
Plumbing Fixtures	24 Plumbing Fixtures
Stories	2 Stories
Building Area	3,618 sqft Building Perimeter
1st Floor Area	1,968 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	871,200 sqft (20 acres)
Garage Type	Mixed
Garage Area	854 sqft
Driveway	Asphalt Driveway
Driveway Area	640 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	1,250 sqft
Porch	Slab
Porch Area	304 sqft
Patio Area	362 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5819 LRC RD
City	WATERLOO
State	IL
Zip	62298-6557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	LOTS 11 & 17B
Legal Range	10W
Legal Township	03S
Legal Section	10
Legal Lot Number	11,17B
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 13, 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	5819 LRC RD, WATERLOO, IL 62298-6557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHESTER NATIONAL BANK
Sep 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHESTER NATIONAL BANK
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHESTER NATIONAL BANK

Assessor's Deed Record

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5819 LRC RD, WATERLOO, IL 62298-6557
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000389948
Date	May 22, 2017
Instrument	389948

Lender

Name	CHESTER NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 25, 2022

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5819 LRC RD, WATERLOO, IL 62298-6557
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000392008
Date	Sep 19, 2017
Instrument	392008

Lender

Name	CHESTER NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 10, 2027

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5819 LRC RD, WATERLOO, IL 62298-6557
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409541
Date	Jul 20, 2020
Instrument	409541

Lender

Name	CHESTER NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

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	$15,771.00 (+1.43%) Homeowner's exemption	$270,729 (+12.68%) Land $15,629 Building $255,100	$812,187 (-1.44%) Land $46,887 Building $765,300
2024	$15,548.00		$824,034 (+14.32%) Land $47,832 Building $776,202
2022	Additional exemption filed	$240,266 Land $14,556 Building $225,710	$720,798 Land $43,668 Building $677,130

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 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL · Fiber in parts of the area	50 / 10
Verizon Fixed Wireless	25 / 6

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lrc Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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