Monroe County property record for 5924 J Rd, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,564 sqft · built 1978 |
| Lot Size | 5.36 acres (233,482 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,109 (2024) |
| Deeds & Mortgages | Nov 2022 Mortgage Nov 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-11-400-009-000 |
| Primary APN | 11-11-400-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Upper Floors Area | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 233,482 sqft (5.36 acres) |
| Garage Area | 672 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 504 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 540 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5924 J RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART TAX LOT 3 |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 11 |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 600501 |
Source: Monroe County records · APN 11-11-400-009-000
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 | 5924 J RD, WATERLOO, IL 62298-5006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2022 | Deed of Trust, Mortgage STATE BANK |
| Nov 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Feb 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Mar 18, 2019 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5924 J RD, WATERLOO, IL 62298-5006 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000427111 |
|---|---|
| Date | Nov 29, 2022 |
| Instrument | 427111 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5924 J RD, WATERLOO, IL 62298-5006 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000427062 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 427062 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 09, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.34% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5924 J RD, WATERLOO, IL 62298-5006 |
| Transaction Type | Mortgage |
| Record Updated | Mar 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000422710 |
|---|---|
| Date | Feb 17, 2022 |
| Instrument | 422710 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 15, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5924 J RD, WATERLOO, IL 62298-5006 |
| Document Number | 0000400610 |
| Instrument Date | Mar 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5924 J RD WATERLOO IL 622985006, WATERLOO, IL 62298-5006 |
| Document Number | 0000400610 |
|---|---|
| Date | Mar 28, 2019 |
| Instrument | 400610 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 27, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $87,450 (+3.6%) Land $19,360 Building $68,090 | $262,350 (+3.6%) Land $58,080 Building $204,270 | |
| 2024 | $5,109.00 (+4.31%) | ||
| 2022 | $4,898.00 Additional exemption filed | $84,410 Land $19,360 Building $65,050 | $253,230 Land $58,080 Building $195,150 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336005012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
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