Acreage, sheds, woods, pond, wildlife, mushrooms… this property is every outdoor lover’s daydream. With the current owner being relocated, their opportunity becomes yours. This 4 bed, 2 bath BERM home sits on nearly 12 acres just beyond the Waterloo city limits and offers an unbeatable blend of privacy, efficiency, and natural beauty. Nestled into the hillside of rural Monroe County, the home is designed for exceptional energy efficiency, using the earth to help regulate temperature. On the coldest days, a wood burning stove inside and a wood furnace outside keep utility costs low, with an almost new HVAC system available when needed.
Step into the formal foyer and you’ll immediately notice the new LVP flooring throughout. The vaulted living room features rustic beams, a fireplace with wood burning insert, and a wall of windows that flood the space with natural light and frame the wooded views. You will be watching that beautiful snow fall dreaming of snow days and play. The remodeled kitchen offers abundant storage, granite countertops, pendant lighting, stainless steel appliances, and a clear sightline straight through the home—perfect for enjoying the scenery while you cook. The split floor plan places the primary suite on one side and three secondary bedrooms with a full remodeled bath on the other. The primary suite includes sliding glass doors to a private patio/yard area, a French door framed walk in closet, and an ensuite with antique double bowl vanity and tub/shower combo. A spacious laundry room with drop zone provides the ideal spot to kick off muddy boots after a day outdoors.
Outside, the property becomes your private playground. Nearly 12 mostly wooded acres offer cleared trails, a small pond with recreational potential, and endless opportunities for exploration by foot or ATV. The detached 3+ car garage is fully equipped and will serve as your detached basement, private cave, party barn and more. Just beyond sits a large entertainment area with built in BBQ grill, paver patio, and access to the above ground pool. Two additional sheds—one previously used as a chicken coop—complete the compound. A deer stand remains for your convenience, whether you prefer hunting or simply photographing the abundant wildlife that passes through. And yes… there are mushrooms, lots of mushrooms!
New Heat pump 2024. Hall bath remodel 2025, Flooring 2021, All new windows and doors 2021, new light fixtures 2021, resided grey shed, new roof 2023, Water heater 2021, laundry room reconfiguration 2023. Well water with UV light, private sewer serviced 2024. Agent Owned
Active
Listing Provided by:
Tammy A Hines 618-281-3959,
Tammy Mitchell Hines & Co.
$524,900
5063 Rock Rd, Waterloo, IL 62298
4beds
2,116sqft
Est.:
Single Family Residence
Built in 1988
11.76 Acres Lot
$500,700 Zestimate®
$248/sqft
$-- HOA
What's special
Wood burning stove insideSplit floor planCleared trailsRemodeled kitchenPendant lightingRustic beamsGranite countertops
- 27 days |
- 4,333 |
- 218 |
Zillow last checked: 8 hours ago
Listing updated: February 12, 2026 at 01:09pm
Listing Provided by:
Tammy A Hines 618-281-3959,
Tammy Mitchell Hines & Co.
Source: MARIS,MLS#: 26003347
Originating MLS: Southwestern Illinois Board of REALTORS
Originating MLS: Southwestern Illinois Board of REALTORSTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 4
Primary bedroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 216
- Dimensions: 18x12
Bedroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 132
- Dimensions: 12x11
Bedroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 132
- Dimensions: 12x11
Bedroom
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 120
- Dimensions: 12x10
Primary bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 60
- Dimensions: 12x5
Bathroom
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 72
- Dimensions: 9x8
Dining room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 169
- Dimensions: 13x13
Kitchen
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 120
- Dimensions: 12x10
Laundry
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 60
- Dimensions: 10x6
Living room
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 368
- Dimensions: 23x16
Other
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 45
- Dimensions: 9x5
Storage
- Features: Floor Covering: Ceramic Tile
- Level: Main
- Area: 60
- Dimensions: 10x6
Storage
- Features: Floor Covering: Luxury Vinyl Plank
- Level: Main
- Area: 66
- Dimensions: 11x6
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Freezer, Microwave, Range, Refrigerator
- Laundry: Main Level
Features
- Tray Ceiling(s), Vaulted Ceiling(s)
- Flooring: Ceramic Tile, Luxury Vinyl
- Doors: Sliding Doors
- Basement: None
- Number of fireplaces: 1
- Fireplace features: Free Standing, Wood Burning
Interior area
- Total structure area: 2,116
- Total interior livable area: 2,116 sqft
- Finished area above ground: 2,116
- Finished area below ground: 0
Property
Parking
- Total spaces: 5
- Parking features: Garage - Attached, Carport
- Attached garage spaces: 3
- Carport spaces: 2
- Covered spaces: 5
Features
- Levels: One
- Exterior features: Outdoor Grill, Playground
- Has private pool: Yes
- Pool features: Above Ground
- Waterfront features: Pond
Lot
- Size: 11.76 Acres
- Features: Adjoins Wooded Area, Pond on Lot
Details
- Additional structures: Shed(s)
- Parcel number: 1021200008000
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence
Materials
- Brick
- Roof: Asbestos Shingle
Condition
- Updated/Remodeled
- New construction: No
- Year built: 1988
Details
- Warranty included: Yes
Utilities & green energy
- Electric: Ameren
- Sewer: Septic Tank
- Water: Well
- Utilities for property: None
Community & HOA
Community
- Subdivision: Not In A Subdivision
HOA
- Has HOA: No
Location
- Region: Waterloo
Financial & listing details
- Price per square foot: $248/sqft
- Tax assessed value: $273,270
- Annual tax amount: $5,220
- Date on market: 1/19/2026
- Cumulative days on market: 27 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Private
- Road surface type: Gravel
Estimated market value
$500,700
$476,000 - $526,000
$2,151/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/19/2026 | Listed for sale | $524,900+78.5%$248/sqft |
Source:  MARIS #26003347 Report a problem | ||
| 8/16/2021 | Sold | $294,000$139/sqft |
Source: MARIS #21041878 Report a problem | ||
| 6/30/2021 | Contingent | $294,000+1.4%$139/sqft |
Source: MARIS #21041878 Report a problem | ||
| 6/22/2021 | Listed for sale | $289,900+21.2%$137/sqft |
Source: MARIS #21041878 Report a problem | ||
| 3/31/2014 | Sold | $239,253$113/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $5,220 -0.2% | $91,090 -0.8% |
| 2023 | $5,229 -1.2% | $91,820 +0.2% |
| 2022 | $5,292 | $91,670 -2.3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,399/mo
Principal & interest
$2471
Property taxes
$744
Home insurance
$184
Climate risks
Neighborhood: 62298
Nearby schools
GreatSchools rating
- 4/10Gardner Elementary SchoolGrades: 4-5Distance: 6.2 mi
- 9/10Waterloo Junior High SchoolGrades: 6-8Distance: 6.4 mi
- 8/10Waterloo High SchoolGrades: 9-12Distance: 5.4 mi
Schools provided by the listing agent
- Elementary: Waterloo Dist 5
- Middle: Waterloo Dist 5
- High: Waterloo
Source: MARIS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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