1. Home
  2. Illinois
  3. Monroe County
  4. Waterloo
  5. S Main St

229 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 229 S Main St, Waterloo, IL 62298

Property Summary

Property TypeCommercial
Lot Size3 acres (130,680 sqft)
OwnerCompany Name on File
Last Sale$280,000 (Apr 2018)
Tax Bill$4,125 (2024)
Deeds & MortgagesJan 2021 Mortgage
Nov 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN07-25-281-008-000

Property Details

APN / Parcel Number

Primary APN07-25-281-008-000
Alternative APN
  • 07251220100900 00

Exterior

Lot Area130,680 sqft (3 acres)
Lot Dimensions155 ft deep x 72 ft wide
DrivewayConcrete Driveway
Driveway Area4,453 sqft
Patio Area513 sqft

Location & Zoning

Street Address229 S MAIN ST
CityWATERLOO
StateIL
Zip62298-1325
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning CodeWB3
Legal DescriptionLOT 81 OLD TOWN
Legal Range10W
Legal Township02S
Legal Section25
Legal SubdivisionOLD TOWN
Legal Lot Number81
JurisdictionMONROE IL
Township / Civil Division32
Census Block Group3
Census Block3058
Census Tract600401

Owner

Source: Monroe County records · APN 07-25-281-008-000

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 RecordCompany Name on File
Mailing AddressPO BOX 188, WATERLOO, IL 62298-0188
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 06, 2021Deed of Trust, Mortgage · Commercial Mortgage
FIRST NATIONAL BANK WATERLOO
Nov 10, 2020Warranty Deed, Transfer
ATTORNEY ONLY
Apr 03, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 03, 2018 · Amount on Record
Deed SaleApr 03, 2018 · Amount on Record
Deed Document Number2018395097
Record UpdatedSep 20, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address229 S MAIN ST, WATERLOO, IL 62298-1325
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000414030
DateJan 06, 2021
Instrument414030
Lender
NameFIRST NATIONAL BANK WATERLOO
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateNov 10, 2020
Property Address229 S MAIN ST, WATERLOO, IL 62298-1325
Document Number0000412338
Instrument DateNov 09, 2020
Instrument412338
Transaction TypeTransfer
Record UpdatedNov 25, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address231 S MAIN ST WATERLOO IL 622981325, WATERLOO, IL 62298-1325

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateApr 03, 2018
Property Address229 S MAIN ST, WATERLOO, IL 62298-1325
Document Number0000395097
Instrument DateMar 30, 2018
Instrument395097
Transaction TypeTransfer
Record UpdatedApr 12, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$420.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address231 S MAIN ST WATERLOO IL 622981325, WATERLOO, IL 62298-1325

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$65,920 (-0.35%) Land $15,790 Building $50,130$197,760 (-0.35%) Land $47,370 Building $150,390
2024$4,125.00
2022$66,150 Land $15,790 Building $50,360$198,450 Land $47,370 Building $151,080

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot 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 DistrictWithin 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

ProviderMax 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 SystemWATERLOO
serves 10,190 people
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures