5860 J Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5860 J Rd, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,444 sqft · built 2012
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,235 (2024)
Deeds & Mortgages	Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-12-300-003-000`

Property Details

APN / Parcel Number

Primary APN	`11-12-300-003-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,444 sqft Living Area
1st Floor Area	1,444 sqft
Basement Area	1,444 sqft
Unfinished Basement	1,444 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	435,600 sqft (10 acres)
Garage Area	576 sqft
Porch	Porch
Porch Area	316 sqft
Patio Area	279 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5860 J RD
City	WATERLOO
State	IL
Zip	62298-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART TAX LOT 3
Legal Range	09W
Legal Township	03S
Legal Section	12
Legal Lot Number	3
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2041
Census Tract	600501

Owner

Source: Monroe County records · APN 11-12-300-003-000

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	5860 J RD, WATERLOO, IL 62298-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5860 J RD, WATERLOO, IL 62298-5004
Document Number	0000411372
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5860 J RD WATERLOO IL 622985004, WATERLOO, IL 62298-5004

Mortgage

Document Number	0000411372
Date	Sep 29, 2020
Instrument	411372

Lender

Name	STATE BK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 28, 2030

Interest

Rate Type	Adjustable Rate

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$119,299 (+26.3%) Land $13,639 Building $105,660
2024	$6,235.00		$353,253 Land $42,285 Building $310,968
2022	Additional exemption filed	$94,457 Land $13,077 Building $81,380

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 71% of Illinois
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.