Monroe County property record for 5901 Willow Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,816 sqft · built 2015 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $269,000 (Jul 2019) |
| Deeds & Mortgages | Jun 2022 Construction Loan Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-005-000 |
| Primary APN | 11-07-117-005-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| 1st Floor Area | 1,816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 18,731 sqft (0.43 acres) |
| Garage Area | 680 sqft |
| Porch | Porch |
| Porch Area | 120 sqft |
| Patio Area | 276 sqft |
| Cooling System | Central |
|---|
| Street Address | 5901 WILLOW OAK DR |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-3075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR3 |
| Legal Description | LOT 5 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 600501 |
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 | 5901 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2022 | Deed of Trust, Mortgage · Construction Mortgage TOGETHER CU |
| Apr 5, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| May 23, 2020 | Deed of Trust, Mortgage · VA Mortgage ORION LNDG |
| Jul 19, 2019 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2019 · Amount on Record |
| Deed Sale | Jul 19, 2019 · Amount on Record |
| Deed Document Number | 2019402554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5901 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000424656 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 424656 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 30, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5901 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000416060 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 416060 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5901 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000408976 |
| Instrument Date | May 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5901 WILLOW OAK DR WATERLOO IL 622983075, WATERLOO, IL 62298-3075 |
| Document Number | 0000408976 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 408976 |
| Name | ORION LNDG |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 19, 2019 |
| Property Address | 5901 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000402554 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 402554 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $403.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5901 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000402555 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 402555 |
| Name | US BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Disabled Person's exemption | $129,390 (+1.29%) Land $15,000 Building $114,390 | $388,170 (+1.29%) Land $45,000 Building $343,170 |
| 2024 | $127,736 (+23.92%) Land $15,842 Building $111,894 | $383,208 (+23.92%) Land $47,526 Building $335,682 | |
| 2022 | Disabled Person's exemption Additional exemption filed | $103,080 Land $15,000 Building $88,080 | $309,240 Land $45,000 Building $264,240 |
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.
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 Policies | 2 in force |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
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