Monroe County property record for 116 N Main St, Waterloo, IL 62298
| Property Type | Commercial |
|---|---|
| Lot Size | 0.12 acres (5,418 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,021 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-235-006-000 |
| Primary APN | 07-25-235-006-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 5,418 sqft (0.12 acres) |
|---|---|
| Lot Dimensions | 155 ft deep x 35 ft wide |
| Street Address | 116 N MAIN ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1201 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | WB3 |
| Legal Description | PART LOTS 60D & 61D OLD TOWN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | WATERLOO |
| Legal Lot Number | 60D,61D |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 600401 |
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.
116 N Main St, a commercial property, is held in a trust.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 306 E MILL ST, WATERLOO, IL 62298-1521 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 116 N MAIN ST, WATERLOO, IL 62298-1201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000400495 |
|---|---|
| Date | Mar 22, 2019 |
| Instrument | 400495 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 116 N Main St was $3,021.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,021.00 | $49,520 Land $7,810 Building $41,710 | $148,560 Land $23,430 Building $125,130 |
| 2024 | $3,021.00 | ||
| 2022 | $49,520 Land $7,810 Building $41,710 | $148,560 Land $23,430 Building $125,130 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 116 N Main St in Zone X, an area of minimal flood risk.
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.
The area around 116 N Main St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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