227 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 227 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.14 acres (6,153 sqft)
Owner	Company Name on File
Last Sale	$480,000 (Jul 2024)
Tax Bill	$4,191 (2024)
Deeds & Mortgages	Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-281-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-281-007-000`
Alternative APN	`07251220101000 00`

Interior

Units	4 Units

Exterior

Lot Area	6,153 sqft (0.14 acres)
Lot Dimensions	155 ft deep x 43 ft wide

Location & Zoning

Street Address	227 S MAIN ST
City	WATERLOO
State	IL
Zip	62298-1365
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOTS 16 & 17 OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WATERLOO
Legal Lot Number	16,17
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3058
Census Tract	600401

Owner

Source: Monroe County records · APN 07-25-281-007-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	1323 SUMMERFIELD, WATERLOO, IL 62298-2873
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 02, 2024 · Amount on Record
Deed Sale	Jul 02, 2024 · Amount on Record
Deed Document Number	2024433753
Record Updated	Sep 20, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	227 S MAIN ST, WATERLOO, IL 62298-1365
Document Number	0000387753
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Mar 21, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	227 S MAIN ST WATERLOO IL 622981365, WATERLOO, IL 62298-1365

Mortgage

Document Number	0000387753
Date	Jan 09, 2017
Instrument	387753

Lender

Name	DIETERICH BK NA
Address	RED BUD, IL 62278

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 08, 2022

Interest

Rate Type	Adjustable Rate
Rate	3.1%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$67,050 (-) Land $9,540 Building $57,510	$201,150 (-) Land $28,620 Building $172,530
2024	$4,191.00 (+6.94%)
2022	$3,919.00 Additional exemption filed	$67,050 Land $9,540 Building $57,510	$201,150 Land $28,620 Building $172,530

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

Based on FCC filings for 458 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO serves 10,190 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.