5957 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 5957 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,022 sqft · built 1883
Lot Size	7.54 acres (328,442 sqft)
Owner	Company Name on Record
Last Sale	$340,000 (Jun 2019)
Tax Bill	$4,553 (2024)
Deeds & Mortgages	Feb 2019 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`11-08-300-009-000`

Property Details

APN / Parcel Number

Primary APN	`11-08-300-009-000`
Alternative APN	`11080000001300 00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,022 sqft Building Perimeter
1st Floor Area	1,092 sqft
Upper Floors Area	930 sqft
Basement Area	2,022 sqft
Unfinished Basement	2,022 sqft

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1883
Construction Type	Frame
Lot Area	328,442 sqft (7.54 acres)

Exterior Amenities

Porch	Slab
Porch Area	496 sqft
Deck Area	160 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5957 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART TAX LOT 7
Legal Range	09W
Legal Township	03S
Legal Section	08
Legal Lot Number	7
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2027
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	404 W 3RD ST, WATERLOO, IL 62298-1357
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Dec 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS COMMUNITY BANK
Nov 14, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK WATERLOO
Jun 12, 2019	Corporation Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2019 · Amount on Record
Deed Sale	Jun 12, 2019 · Amount on Record
Deed Document Number	2019401900
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5957 STATE ROUTE 3, WATERLOO, IL 62298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399801
Date	Feb 1, 2019
Instrument	399801

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 29, 2023

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5957 STATE ROUTE 3, WATERLOO, IL 62298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399105
Date	Dec 11, 2018
Instrument	399105

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 29, 2023

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5957 STATE ROUTE 3, WATERLOO, IL 62298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404739
Date	Nov 14, 2019
Instrument	404739

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2019: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	MONROE IL
Recording Date	Jun 12, 2019
Property Address	5957 STATE ROUTE 3, WATERLOO, IL 62298
Document Number	0000401900
Instrument Date	Jun 7, 2019
Instrument	401900
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	REAR, WATERLOO, IL 62298

Mortgage

Document Number	0000401901
Date	Jun 12, 2019
Instrument	401901

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$81,920 (+8.07%) Land $25,130 Building $56,790	$245,760 (+8.07%) Land $75,390 Building $170,370
2024	$4,553.00
2022		$75,800 Land $25,130 Building $50,670	$227,400 Land $75,390 Building $152,010

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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