207 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 207 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 844 sqft · built 1900
Lot Size	0.08 acres (3,359 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (May 2026)
Tax Bill	$3,411 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-205-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-205-007-000`
Alternative APN	`07250720602100 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	844 sqft Building Perimeter
1st Floor Area	844 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,359 sqft (0.08 acres)
Lot Dimensions	85 ft deep x 39 ft wide

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	207 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	LOT 27A MARTINS RESURVEY OF OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS RESURVEY OF OLD
Legal Lot Number	27A
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3033
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 October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1133, COLUMBIA, IL 62236-9133
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · FHA Mortgage WELLSFARGOBANKNA
Apr 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK
Jul 19, 2021	Warranty Deed, Transfer · Commercial Mortgage MIDLAND STATES BANK
May 12, 2021	Deed, Transfer
Oct 27, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Jul 1, 2024 · Amount on Record
Deed Document Number	2026442383
Transfer Doc	0000417122
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 1, 2026
Property Address	207 N MAIN ST, WATERLOO, IL 62298-1231
Document Number	0000442383
Instrument Date	Apr 24, 2026
Instrument	2026.442383
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner

Mortgage

Document Number	0000442384,
Date	May 1, 2026
Instrument	2026.442384

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	207 N MAIN ST, WATERLOO, IL 62298-1231
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423624
Date	Apr 5, 2022
Instrument	423624

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 19, 2021
Property Address	207 N MAIN ST, WATERLOO, IL 62298-1231
Document Number	0000418536
Instrument Date	Jul 8, 2021
Instrument	418536
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 RED OAK DR, WATERLOO, IL 62298-3070

Mortgage

Document Number	0000418537
Date	Jul 19, 2021
Instrument	418537

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	May 12, 2021
Property Address	207 N MAIN ST, WATERLOO, IL 62298-1231
Document Number	0000417122
Instrument Date	May 12, 2021
Instrument	417122
Transaction Type	Transfer
Record Updated	Jun 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 VENICE CT, CHAMPAIGN, IL 61822-6403

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	207 N MAIN ST, WATERLOO, IL 62298-1231
Document Number	0000393254
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 N MAIN ST WATERLOO IL 622981231, WATERLOO, IL 62298-1231

Mortgage

Document Number	0000393254
Date	Dec 4, 2017
Instrument	393254

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

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	$3,411.00	$55,900 (+3.14%) Land $15,420 Building $40,480	$167,700 (+3.14%) Land $46,260 Building $121,440
2024	$3,411.00	$54,199 (+13.36%) Land $15,282 Building $38,917	$162,597 (+13.36%) Land $45,846 Building $116,751
2022		$47,810 Land $14,560 Building $33,250	$143,430 Land $43,680 Building $99,750

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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