Monroe County property record for 5909 Willow Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,808 sqft · built 2016 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $257,500 (Mar 2018) |
| Tax Bill | $4,558 (2025) |
| Deeds & Mortgages | Sep 2025 Sale Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-003-000 |
| Primary APN | 11-07-117-003-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 1,808 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Area | 744 sqft |
| Porch | Porch |
| Porch Area | 226 sqft |
| Cooling System | Central |
|---|
| Street Address | 5909 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 3 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 3 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5909 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2025 | Beneficiary Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 27, 2018 | Deed, Subdivision Related Transfer · Conventional Mortgage CITIZENS COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2018 · Amount on Record |
| Deed Sale | Mar 27, 2018 · Amount on Record |
| Deed Document Number | 2018395031 |
| Last Transfer Date | Sep 3, 2025 |
| Transfer Doc | 0000439220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 10, 2025 |
| Property Address | 5909 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000439220 |
| Instrument Date | Sep 3, 2025 |
| Instrument | 439220 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5909 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Name | Verified Name |
|---|---|
| Address | 5909 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 27, 2018 |
| Property Address | 5909 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000395031 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 395031 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $386.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5909 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000395032 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 395032 |
| Name | CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate Type | Fixed Rate |
|---|
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 | $4,558.00 (-34.85%) Homeowner's exemption | $134,160 (+0.42%) Land $15,000 Building $119,160 | $402,480 (+0.42%) Land $45,000 Building $357,480 |
| 2024 | $6,996.00 Homeowner's exemption Additional exemption filed | $133,597 (+25.16%) Land $15,842 Building $117,755 | $400,791 (+25.16%) Land $47,526 Building $353,265 |
| 2022 | Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $106,740 Land $15,000 Building $91,740 | $320,220 Land $45,000 Building $275,220 |
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 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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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