Monroe County property record for 5985 J Rd, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,861 sqft · built 1988 |
| Lot Size | 5.32 acres (231,739 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,161 (2024) |
| Deeds & Mortgages | Jul 2019 Line of Credit Jan 2019 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 11-11-400-003-000 |
| Primary APN | 11-11-400-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,861 sqft Living Area |
| 1st Floor Area | 1,861 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 231,739 sqft (5.32 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 54 sqft |
| Deck Area | 72 sqft |
| Patio Area | 240 sqft |
| Street Address | 5985 J RD |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART NW SE |
| Legal Range | 09W |
| Legal Township | 03S |
| Legal Section | 11 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 8 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 600501 |
Source: Monroe County records · APN 11-11-400-003-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 5985 J RD, WATERLOO, IL 62298-5054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 03, 2019 | Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO |
| Jan 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5985 J RD, WATERLOO, IL 62298-5054 |
| Document Number | 0000402498 |
| Instrument Date | Jul 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5985 J RD WATERLOO IL 622985054, WATERLOO, IL 62298-5054 |
| Document Number | 0000402498 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 402498 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 15, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 5985 J RD, WATERLOO, IL 62298-5054 |
| Document Number | 0000399746 |
| Instrument Date | Jan 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2019 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5985 J RD WATERLOO IL 622985054, WATERLOO, IL 62298-5054 |
| Document Number | 0000399746 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 399746 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 28, 2049 |
| Rate | 4.5% |
|---|
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $88,400 (+14.34%) Land $19,260 Building $69,140 | $265,200 (+14.34%) Land $57,780 Building $207,420 | |
| 2024 | $5,161.00 | ||
| 2022 | Additional exemption filed | $77,310 Land $19,260 Building $58,050 | $231,930 Land $57,780 Building $174,150 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Low above 20% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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