120 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 120 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.348 acres (3,301 sqft)
Owner	Company Name on File
Last Sale	$309,600 (Oct 2023)
Tax Bill	$2,905 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-25-235-002-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-235-002-000`
Alternative APN	`07250820300800 00`

Exterior

Lot Area	3,301 sqft (0.348 acres)
Lot Dimensions	77 ft deep x 43 ft wide
Driveway	Concrete Driveway
Driveway Area	432 sqft
Shed	1 Shed
Shed Area	72 sqft

Location & Zoning

Street Address	120 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1201
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 61A OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	CITY OF WATERLOO
Legal Lot Number	61A
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	1
Census Block	1047
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

120 N Main St, a commercial property, is owned by a company that bought it in October 2023.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	404 W 3RD ST, WATERLOO, IL 62298-1357
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Warranty Deed, Transfer · Commercial Mortgage BUENA VISTA NATIONAL BANK
Jan 23, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2023 · Amount on File
Deed Sale	Oct 16, 2023 · Amount on File
Deed Document Number	2023430886
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 16, 2023
Property Address	120 N MAIN ST, WATERLOO, IL 62298-1201
Document Number	0000430886
Map Reference	MB A PG 16
Instrument Date	Oct 12, 2023
Instrument	430886
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4781 G RD, WATERLOO, IL 62298-3815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 N MAIN ST, WATERLOO, IL 62298-1202

Mortgage

Document Number	0000430887
Date	Oct 16, 2023
Instrument	430887

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 12, 2028

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 23, 2020
Property Address	120 N MAIN ST, WATERLOO, IL 62298-1201
Document Number	0000405833
Instrument Date	Jan 6, 2020
Instrument	405833
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	411 N MOORE ST WATERLOO IL 622981130, WATERLOO, IL 62298-1130

Tax Assessment & Valuation

The 2025 property tax bill for 120 N Main St was $2,905, down 2.4% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

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	$2,905.00 (-2.42%)	$47,610 Land $6,580 Building $41,030	$142,830 Land $19,740 Building $123,090
2024	$2,977.00
2022		$37,330 Land $6,580 Building $30,750	$111,990 Land $19,740 Building $92,250

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

Flood

FEMA maps place 120 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.

Wildfire

The area around 120 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.

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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