101 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 101 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.14 acres (6,030 sqft)
Owner	Company Name on File
Last Sale	$465,000 (Apr 2026)
Tax Bill	$7,814 (2024)
Deeds & Mortgages	Apr 2026 Sale Feb 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-205-024-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-205-024-000`
Alternative APN	`07250720500900 00`

Exterior

Lot Area	6,030 sqft (0.14 acres)
Lot Dimensions	77 ft deep x 77 ft wide
Driveway	Concrete Driveway
Driveway Area	3,170 sqft
Canopy	594 sqft

Location & Zoning

Street Address	101 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1202
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 4A MARTINS RESURVEY OF OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS RE-SURVEY
Legal Lot Number	4A
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3037
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	300 SUR WOODS DR, EFFINGHAM, IL 62401-3113
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer TITLE SOLUTIONS AGENCY LLC, TITLE SOLUTIONS GROUP LLC
Feb 24, 2026	Warranty Deed, Transfer
Oct 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Oct 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Oct 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Sep 18, 2017	Grant Deed, Transfer · Line of Credit DIETERICH BK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	2026442122
Prior Transfer Date	Oct 25, 2018
Prior Transfer Doc	0000398452
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 17, 2026
Property Address	101 N MAIN ST, WATERLOO, IL 62298-1202
Document Number	0000442122
Instrument Date	Apr 10, 2026
Instrument	2026.442122
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	TITLE SOLUTIONS AGENCY LLC, TITLE SOLUTIONS GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$70,447.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401-3113

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 24, 2026
Property Address	101 N MAIN ST, WATERLOO, IL 62298
Document Number	0000441391
Map Reference	MB A PG 14
Instrument Date	Feb 2, 2026
Instrument	441391
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 COUNTRY LAKES LN, WATERLOO, IL 62298-2900

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2018
Property Address	101 N MAIN ST, WATERLOO, IL 62298
Document Number	0000398451
Instrument Date	Oct 25, 2018
Instrument	398451
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Additional	Arm's Length Partial Interest Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 COUNTRY LAKES LN WATERLOO IL 622982900, WATERLOO, IL 62298-2900

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2018
Property Address	101 N MAIN ST, WATERLOO, IL 62298
Document Number	0000398452
Instrument Date	Oct 25, 2018
Instrument	398452
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Additional	Partial Interest Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	W MILL ST WATERLOO IL 62298, WATERLOO, IL 62298

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2018
Property Address	101 N MAIN ST, WATERLOO, IL 62298
Document Number	0000398453
Instrument Date	Oct 25, 2018
Instrument	398453
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 W MILL ST WATERLOO IL 62298, WATERLOO, IL 62298

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Sep 18, 2017
Property Address	101 N MAIN ST, WATERLOO, IL 62298
Document Number	0000391979
Instrument Date	Sep 15, 2017
Instrument	391979
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	114 W MILL ST WATERLOO IL 622981205, WATERLOO, IL 62298-1205

Mortgage

Document Number	391980
Date	Sep 18, 2017
Instrument	391980

Lender

Name	DIETERICH BK NA
Address	RED BUD, IL 62278

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 17, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$125,000 (-5.31%) Land $11,730 Building $113,270	$375,000 (-5.31%) Land $35,190 Building $339,810
2024	$7,814.00	$132,012 (+317.1%) Land $12,388 Building $119,624	$396,036 (+317.1%) Land $37,164 Building $358,872
2022		$31,650 Land $11,730 Building $19,920	$94,950 Land $35,190 Building $59,760

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

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