5855 Lrc Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5855 Lrc Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,140 sqft · built 1966
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Nov 2020)
Tax Bill	$4,738 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-10-300-008-000`

Property Details

APN / Parcel Number

Primary APN	`10-10-300-008-000`
Alternative APN	`10100000002200 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame
Lot Area	178,596 sqft (4.1 acres)
Garage Area	1,562 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5855 LRC RD
City	WATERLOO
State	IL
Zip	62298-6557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART LOT 10A & LOT 10D
Legal Range	10W
Legal Township	03S
Legal Section	10
Legal Lot Number	10A,10D
Jurisdiction	MONROE IL
Township / Civil Division	12
Census Block Group	1
Census Block	1028
Census Tract	600501

Owner

5855 Lrc Rd is owned and occupied by two individuals who bought it in November 2020.

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5855 LRC RD, WATERLOO, IL 62298-6557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Nov 5, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
Aug 31, 2020	Personal Representative Deed, Transfer · Commercial Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on File
Deed Sale	Nov 5, 2020 · Amount on File
Prior Sale	Aug 31, 2020 · Amount on File
Deed Document Number	2020412231
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5855 LRC RD, WATERLOO, IL 62298-6557
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420830
Date	Nov 8, 2021
Instrument	420830

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 15, 2031

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5855 LRC RD, WATERLOO, IL 62298-6557
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418296
Date	Jul 6, 2021
Instrument	418296

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 5, 2020
Property Address	5855 LRC RD, WATERLOO, IL 62298-6557
Document Number	0000412231
Instrument Date	Nov 3, 2020
Instrument	412231
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
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
Address	5855 LRC RD, WATERLOO, IL 62298-6557

Mortgage

Document Number	0000412232
Date	Nov 5, 2020
Instrument	412232

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	MONROE IL
Recording Date	Aug 31, 2020
Property Address	5855 LRC RD, WATERLOO, IL 62298-6557
Document Number	0000410613
Instrument Date	Aug 31, 2020
Instrument	410613
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 461, WATERLOO, IL 62298-0461

Mortgage

Document Number	0000410614
Date	Aug 31, 2020
Instrument	410614

Lender

Name	STATE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5855 Lrc Rd was $4,738, up 3.9% from the year before.

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	$4,738.00 (+3.86%)	$79,580 Land $16,080 Building $63,500	$238,740 Land $48,240 Building $190,500
2024	$4,562.00
2022		$73,240 Land $16,080 Building $57,160	$219,720 Land $48,240 Building $171,480

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

FEMA maps place 5855 Lrc Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

Wildfire risk around 5855 Lrc Rd is low, with less than a 0.01% annual chance of 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