111 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 111 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.28 acres (12,083 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jul 2018)
Tax Bill	$5,396 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-205-022-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-205-022-000`
Alternative APN	`07250720501000 00`

Exterior

Lot Area	12,083 sqft (0.28 acres)
Lot Dimensions	155 ft deep x 77 ft wide

Location & Zoning

Street Address	111 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1202
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 3 MARTINS RESURVEY OF OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS RE-SURV
Legal Lot Number	3
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 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	Company Name on Record
Mailing Address	404 W 3RD ST, WATERLOO, IL 62298-1357
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage BUENA VISTA NATIONAL BANK
Oct 31, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK WATERLOO
Jul 6, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Apr 28, 2018	Loan Modification, Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2018 · Amount on Record
Deed Sale	Jul 6, 2018 · Amount on Record
Prior Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	2018396806
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	111 N MAIN ST, WATERLOO, IL 62298-1202
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425212
Date	Jul 18, 2022
Instrument	425212

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 28, 2032

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	111 N MAIN ST, WATERLOO, IL 62298-1202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404459
Date	Oct 31, 2019
Instrument	404459

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 6, 2018
Property Address	111 N MAIN ST, WATERLOO, IL 62298-1202
Document Number	0000396806
Instrument Date	Jul 3, 2018
Instrument	396806
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 S LIBRARY ST REAR 2, 2, WATERLOO, IL 62298-6600

Mortgage

Document Number	0000396807
Date	Jul 6, 2018
Instrument	396807

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	111 N MAIN ST, WATERLOO, IL 62298-1202
Document Number	0000396263
Instrument Date	Apr 28, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107-111 N MAIN ST WATERLOO IL 622981202, WATERLOO, IL 62298-1202

Mortgage

Document Number	0000396263
Date	Jun 5, 2018
Instrument	396263

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Term	60 Months
Due	Jun 4, 2023

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		$86,320 (-) Land $17,000 Building $69,320	$258,960 (-) Land $51,000 Building $207,960
2024	$5,396.00
2022		$86,320 Land $17,000 Building $69,320	$258,960 Land $51,000 Building $207,960

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

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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