5977 Kk Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 5977 Kk Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,232 sqft · built 1995
Lot Size	9.85 acres (429,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Dec 2018)
Tax Bill	$5,936 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-16-200-001-000`

Property Details

APN / Parcel Number

Primary APN	`11-16-200-001-000`
Alternative APN	`11160000000305 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Building Perimeter
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Lot Area	429,066 sqft (9.85 acres)
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	532 sqft

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	288 sqft
Patio Area	587 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5977 KK RD
City	WATERLOO
State	IL
Zip	62298-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART NW/4 NE/4
Legal Range	09W
Legal Township	03S
Legal Section	16
Jurisdiction	MONROE IL
Township / Civil Division	29
Census Block Group	2
Census Block	2049
Census Tract	600501

Owner

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	5977 KK RD, WATERLOO, IL 62298-3015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage NBKS BANK
Oct 10, 2019	Deed of Trust, Mortgage · VA Mortgage KANSAS STATE BANK
Dec 31, 2018	Warranty Deed, Transfer · VA Mortgage NBKC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Deed Document Number	2018399380
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5977 KK RD, WATERLOO, IL 62298-3015
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000416495
Date	Apr 16, 2021
Instrument	416495

Lender

Name	NBKS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5977 KK RD, WATERLOO, IL 62298-3015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404109
Date	Oct 10, 2019
Instrument	404109

Lender

Name	KANSAS STATE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 31, 2018
Property Address	5977 KK RD, WATERLOO, IL 62298-3015
Document Number	0000399380
Map Reference	DOC 317558
Instrument Date	Dec 28, 2018
Instrument	399380
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5977 KK RD, WATERLOO, IL 62298-3015

Mortgage

Document Number	0000399381
Date	Dec 31, 2018
Instrument	399381

Lender

Name	NBKC BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$5,936.00 (+3.16%) Homeowner's exemption	$106,500 (+3.55%) Land $31,240 Building $75,260	$319,500 (+3.55%) Land $93,720 Building $225,780
2024	$5,754.00
2022	Additional exemption filed	$102,850 Land $31,240 Building $71,610	$308,550 Land $93,720 Building $214,830

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 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

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	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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	30 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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