6171 J Rd, Waterloo, IL 62298 Property Records

Monroe County property record for 6171 J Rd, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,740 sqft · built 1968
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,487 (2024)
Deeds & Mortgages	Apr 2023 Mortgage May 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-02-366-020-000`

Property Details

APN / Parcel Number

Primary APN	`11-02-366-020-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Basement Area	1,740 sqft
Unfinished Basement	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	126 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	886 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6171 J RD
City	WATERLOO
State	IL
Zip	62298-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SW SE
Legal Range	09W
Legal Township	03S
Legal Section	02
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2006
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	2 Individual Names on Record
Mailing Address	6171 J RD, WATERLOO, IL 62298-5011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
May 20, 2019	Quit Claim Deed, Transfer ACCENT TITLE
May 8, 2019	Quit Claim Deed, Transfer STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 13, 2019
Transfer Doc	0000401523
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	6171 J RD, WATERLOO, IL 62298-5011
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428717
Date	Apr 24, 2023
Instrument	428717

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2033

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 20, 2019
Property Address	6171 J RD, WATERLOO, IL 62298-5011
Document Number	0000401523
Instrument Date	May 13, 2019
Instrument	401523
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6171 J RD WATERLOO IL 622985011, WATERLOO, IL 62298-5011

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 8, 2019
Property Address	6171 J RD, WATERLOO, IL 62298-5011
Document Number	0000401294
Instrument Date	Apr 8, 2019
Instrument	401294
Transaction Type	Transfer
Record Updated	Jun 7, 2019
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6171 J RD WATERLOO IL 622985011, WATERLOO, IL 62298-5011

Mortgage

Document Number	401295
Date	May 8, 2019
Instrument	401295

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 7, 2049

Interest

Rate	4.29%

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		$99,710 (+17%) Land $23,960 Building $75,750	$299,130 (+17%) Land $71,880 Building $227,250
2024	$5,487.00
2022	Additional exemption filed	$85,220 Land $23,960 Building $61,260	$255,660 Land $71,880 Building $183,780

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wisper ISP Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on J Rd

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