Monroe County property record for 232 N Main St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 621 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,539 (2024) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-233-001-000 |
| Primary APN | 07-25-233-001-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 621 sqft Living Area |
| 1st Floor Area | 621 sqft |
| Basement Area | 621 sqft |
| Unfinished Basement | 621 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 111 ft deep x 54 ft wide |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 232 N MAIN ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1248 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART TAX LOT 4A & 4B DITCHS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | DITCHS ADD |
| Legal Lot Number | 4A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-25-233-001-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 232 N MAIN ST, WATERLOO, IL 62298-1248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WATERLOO |
| Aug 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 07, 2026 |
| Property Address | 232 N MAIN ST, WATERLOO, IL 62298-1248 |
| Document Number | 0000443383 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026443383 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 232 N MAIN ST, WATERLOO, IL 62298-1248 |
| Document Number | 0000443383, |
|---|---|
| Date | Jul 07, 2026 |
| Instrument | 2026443383 |
| Name | FIRST NATIONAL BANK OF WATERLOO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 232 N MAIN ST, WATERLOO, IL 62298-1248 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000397411 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 397411 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $29,050 (-25.24%) Land $16,260 Building $12,790 | $87,150 (-25.24%) Land $48,780 Building $38,370 | |
| 2024 | $1,539.00 | ||
| 2022 | Additional exemption filed | $38,860 Land $15,070 Building $23,790 | $116,580 Land $45,210 Building $71,370 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 212 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| HTC Holding | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: HTC Holding, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.
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