Monroe County property record for 5854 J Rd, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Year Built | Built 2018 |
| Square Footage | 2,175 sqft Living Area |
| Lot Size | 435,600 sqft (10 acres) |
| Garage | 1,053 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $10,263.00 (2024) |
| Primary APN | 11-12-300-004-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Building Area | 2,175 sqft Living Area |
| 1st Floor | 2,175 sqft 1st Floor |
| Basement Area | 2,175 sqft Basement |
| Unfinished Basement | 2,175 sqft Unfinished |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 1,053 sqft Garage |
| Cooling System | Central Cooling |
|---|
| Street Address | 5854 J RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5004 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PART TAX LOT 3 & PART SE SE SEC 11 |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 12 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 8 |
| Census Blockgroup | 2 |
| Census Block | 2041 |
| Census Tract | 600501 |
Source: Monroe County records · APN 11-12-300-004-000
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 | 5854 J RD, WATERLOO, IL 62298-5004 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 04, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Aug 13, 2018 | Deed of Trust, Mortgage STATE BK/WATERLOO |
| Nov 03, 2017 | Trustee's Deed, Construction Loan · Building or Construction Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5854 J RD, WATERLOO, IL 62298-5004 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000421855 |
|---|---|
| Date | Jan 04, 2022 |
| Instrument | 421855 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5854 J RD, WATERLOO, IL 62298-5004 |
| Document Number | 0000397538 |
| Instrument Date | Aug 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2018 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC) |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5854 J RD WATERLOO IL 622985004, WATERLOO, IL 62298-5004 |
| Document Number | 0000397538 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 397538 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 22, 2048 |
| Rate | 4.62% |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Nov 03, 2017 |
| Property Address | 5854 J RD, WATERLOO, IL 62298-5004 |
| Instrument Date | Oct 27, 2011 |
| Instrument | 392788 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 23, 2017 |
| Title Company | MALHEUR COUNTY TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 281 W WASHINGTON ST HECKER IL 622481127, HECKER, IL 62248-1127 |
| Document Number | 0000392788 |
|---|---|
| Date | Nov 03, 2017 |
| Instrument | 392788 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 02, 2018 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $172,432 (+17.87%) Land $14,252 Building $158,180 | ||
| 2024 | $10,263.00 | $545,145 Land $43,806 Building $501,339 | |
| 2022 | Additional exemption filed | $146,289 Land $13,399 Building $132,890 |
5854 J Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Monroe County (17133C), updated August 18, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 71st in Illinois |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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