210 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 210 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Details	2 bd · 2 ba · 432 sqft · built 1982
Lot Size	0.11 acres (4,969 sqft)
Owner	Company Name on Record
Last Sale	$280,000 (Dec 2019)
Tax Bill	$6,928 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-281-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-281-011-000`
Alternative APN	`07251220400300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Units	6 Units
Stories	2 Stories
Building Area	432 sqft Base Area
1st Floor Area	432 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	4,969 sqft (0.11 acres)
Lot Dimensions	160 ft deep x 33 ft wide
Driveway	Concrete Driveway
Driveway Area	414 sqft

Location & Zoning

Street Address	210 S MAIN ST
City	WATERLOO
State	IL
Zip	62298-1379
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 8 OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	CITY OF WATERLOO
Legal Lot Number	8
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	1
Census Block	1049
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	Company Name on Record
Mailing Address	424 MOCKINGBIRD LN, WATERLOO, IL 62298-1278
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK OF BELLEVILLE
Dec 23, 2019	Warranty Deed, Transfer · Line of Credit BANK OF BELLEVILLE
Aug 2, 2017	Warranty Deed, Transfer · Conventional with PMI FAMILY DAWSON LIVING TR(LT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Deed Document Number	2019405346
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	210 S MAIN ST, WATERLOO, IL 62298-1379
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420759
Date	Nov 3, 2021
Instrument	420759

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 23, 2019
Property Address	210 S MAIN ST, WATERLOO, IL 62298-1379
Document Number	0000405346
Instrument Date	Dec 20, 2019
Instrument	405346
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1933 STATE ROUTE 156 WATERLOO IL 622986113, WATERLOO, IL 62298-6113

Mortgage

Document Number	405347
Date	Dec 23, 2019
Instrument	405347

Lender

Name	BANK OF BELLEVILLE
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 2, 2017
Property Address	210 S MAIN ST, WATERLOO, IL 62298-1379
Document Number	0000391216
Instrument Date	Jul 13, 2017
Instrument	391216
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	MON CLAIR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4813 OAK FALLS DR WATERLOO IL 622983072, WATERLOO, IL 62298-3072

Mortgage

Document Number	391217
Date	Aug 2, 2017
Instrument	391217

Lender

Name	FAMILY DAWSON LIVING TR(LT)
Address	2925 DAYTON DR, WINTER HAVEN, FL 33884-5222

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2037

Mortgage

Document Number	391218,
Date	Aug 2, 2017
Instrument	391218

Lender

Name	FAMILY DAWSON LIVING TR(LT)
Address	2925 DAYTON DR, WINTER HAVEN, FL 33884-5222

Agreement

Amount	Amount Recorded

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	$6,928.00 (-2.41%)	$113,550 (+117.4%) Land $7,380 Building $106,170	$340,650 (+117.4%) Land $22,140 Building $318,510
2024	$7,099.00
2022		$52,230 Land $7,380 Building $44,850	$156,690 Land $22,140 Building $134,550

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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