224 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 224 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,044 sqft · built 1909
Lot Size	0.11 acres (4,594 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jan 2023)
Tax Bill	$2,394 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jul 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-25-233-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-233-003-000`
Alternative APN	`07250820100300 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	750 sqft
Upper Floors Area	294 sqft

Exterior

Lot Area	4,594 sqft (0.11 acres)
Garage Area	392 sqft
Porch	Porch
Porch Area	66 sqft

Location & Zoning

Street Address	224 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	PART LOTS 13 & 14 DITCHS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	DITCHS ADD
Legal Lot Number	13-14
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	1
Census Block	1036
Census Tract	600401

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	224 N MAIN ST, WATERLOO, IL 62298-1248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jul 27, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Deed Document Number	2023427625
Prior Transfer Date	Jul 21, 2022
Prior Transfer Doc	0000425359
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 13, 2023
Property Address	224 N MAIN ST, WATERLOO, IL 62298-1248
Document Number	0000427625
Instrument Date	Jan 13, 2023
Instrument	427625
Transaction Type	Transfer
Record Updated	Feb 1, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1148 S MINNIE AVE, TILDEN, IL 62292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 N MAIN ST, WATERLOO, IL 62298-1248

Mortgage

Document Number	0000427626
Date	Jan 13, 2023
Instrument	427626

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.63%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Jul 27, 2022
Property Address	224 N MAIN ST, WATERLOO, IL 62298-1248
Document Number	0000425359
Instrument Date	Jul 21, 2022
Instrument	425359
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 N MAIN ST, WATERLOO, IL 62298-1248

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	$2,394.00 (-2.56%) Homeowner's exemption	$45,000 (-) Land $14,680 Building $30,320	$135,000 (-) Land $44,040 Building $90,960
2024	$2,457.00
2022	Additional exemption filed	$45,000 Land $14,680 Building $30,320	$135,000 Land $44,040 Building $90,960

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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Wisper ISP.

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