Monroe County property record for 5917 Willow Oak Dr, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,662 sqft · built 2018 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Jul 2018) |
| Tax Bill | $7,661 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jan 2021 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-07-117-001-000 |
| Primary APN | 11-07-117-001-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,662 sqft Living Area |
| 1st Floor Area | 1,662 sqft |
| Basement Area | 1,662 sqft |
| Unfinished Basement | 1,662 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Area | 48 sqft |
| Street Address | 5917 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 1 OAK VALLEY ESTATES |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | OAK VALLEY ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 600501 |
5917 Willow Oak Dr is owned and occupied by two individuals who bought it in July 2018.
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 | 5917 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jan 13, 2021 | Deed of Trust, Mortgage · Construction Mortgage FIRST GUARANTY MORTGAGE CORP |
| Jul 23, 2018 | Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Feb 1, 2018 | Warranty Deed, Transfer · Line of Credit STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2018 · Amount on File |
| Deed Sale | Jul 23, 2018 · Amount on File |
| Prior Sale | Feb 1, 2018 · Amount on File |
| Deed Document Number | 2018397005 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5917 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000429897 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 429897 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5917 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000414190 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 414190 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 23, 2018 |
| Property Address | 5917 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000397005 |
| Instrument Date | Jul 10, 2018 |
| Instrument | 397005 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2018 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $382.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2957 GRANT RD FULTS IL 622441429, FULTS, IL 62244-1429 |
| Document Number | 397006 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 397006 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Feb 1, 2018 |
| Property Address | 5917 WILLOW OAK DR, WATERLOO, IL 62298-3075 |
| Document Number | 0000394167 |
| Instrument Date | Jan 26, 2018 |
| Instrument | 394167 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $56.25 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1005 COLUMBIA IL 622365005, COLUMBIA, IL 62236-5005 |
| Document Number | 394168 |
|---|---|
| Date | Feb 1, 2018 |
| Instrument | 394168 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 31, 2019 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5917 Willow Oak Dr was $7,661, up 5% from the year before.
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 | $7,661.00 (+5.03%) Homeowner's exemption | $135,790 Land $15,000 Building $120,790 | $407,370 Land $45,000 Building $362,370 |
| 2024 | $7,294.00 | ||
| 2022 | Additional exemption filed | $107,480 Land $15,000 Building $92,480 | $322,440 Land $45,000 Building $277,440 |
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.
FEMA maps place 5917 Willow Oak Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 5917 Willow Oak Dr 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 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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