Monroe County property record for 234 E 3rd St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Commercial > Retail |
|---|---|
| Lot Size | 32,670 sqft (0.75 acres) |
| Tax Bill | $11,452.00 (2024) |
| Primary APN | 07-25-282-012-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 32,670 sqft (0.75 acres) |
|---|---|
| Driveway | Driveway Asphalt |
| Driveway Area | 250 sqft Driveway |
| Street Address | 234 E 3RD ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1609 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail |
| Legal Description | PART TAX LOT 3A E OUTLOTS SEC 25 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | E OUTLOTS SEC |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 26 |
| Census Blockgroup | 1 |
| Census Block | 1026 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-25-282-012-000
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 | 1 COUNTRY LN, FREEBURG, IL 62243-1805 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 24, 2026 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD |
| Jul 14, 2020 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Jun 03, 2020 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Jun 07, 2019 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Mar 21, 2019 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Dec 11, 2018 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Feb 02, 2018 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Oct 27, 2017 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| Jul 06, 2017 | Loan Modification, Mortgage BANK OF SPRINGFIELD |
| May 09, 2017 | Deed of Trust, Mortgage BANK OF SPRINGFIELD |
| Jan 09, 2017 | Loan Modification, Mortgage |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Feb 06, 2026 |
| Transfer Doc | 0000441809 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 24, 2026 |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000441809 |
| Map Reference | MB A PG 17 |
| Instrument Date | Feb 06, 2026 |
| Instrument | 441809 |
| Transaction Type | Transfer |
| Record Updated | Apr 08, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 COUNTRY LN, FREEBURG, IL 62243-1805 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000419843 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 419843 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 48 Months |
| Due | Nov 17, 2025 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000410370 |
| Instrument Date | Jul 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000410370 |
|---|---|
| Date | Aug 20, 2020 |
| Instrument | 410370 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Term | 12 Months |
|---|---|
| Due | Aug 19, 2021 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000408617 |
| Instrument Date | Jun 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000408617 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 408617 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Term | 36 Months |
|---|---|
| Due | Jun 10, 2023 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000401942 |
| Instrument Date | Jun 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000401942 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 401942 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Term | 12 Months |
|---|---|
| Due | Jun 13, 2020 |
| Rate | 6.25% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000400585 |
| Instrument Date | Mar 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000400585 |
|---|---|
| Date | Mar 27, 2019 |
| Instrument | 400585 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Term | 36 Months |
|---|---|
| Due | Mar 26, 2022 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000399224 |
| Instrument Date | Dec 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000399224 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 399224 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Dec 17, 2023 |
| Rate | 7% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000394247 |
| Instrument Date | Feb 02, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000394247 |
|---|---|
| Date | Feb 07, 2018 |
| Instrument | 394247 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Feb 06, 2023 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000392786 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000392786 |
|---|---|
| Date | Nov 03, 2017 |
| Instrument | 392786 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Amount | Amount Recorded |
|---|---|
| Term | 24 Months |
| Due | Nov 02, 2019 |
| Rate | 6% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000390870 |
| Instrument Date | Jul 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000390870 |
|---|---|
| Date | Jul 13, 2017 |
| Instrument | 390870 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 12, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000389873 |
| Instrument Date | May 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
| Document Number | 0000389873 |
|---|---|
| Date | May 17, 2017 |
| Instrument | 389873 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794-9301 |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | May 16, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 234 E 3RD ST, WATERLOO, IL 62298-1609 |
| Document Number | 0000387880 |
| Instrument Date | Jan 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 234 E 3RD ST WATERLOO IL 622981609, WATERLOO, IL 62298-1609 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $183,030 (-5.4%) Land $28,310 Building $154,720 | $549,090 (-5.4%) Land $84,930 Building $464,160 | |
| 2024 | $11,452.00 (-2.73%) | $193,477 (+5.51%) Land $29,898 Building $163,579 | $580,431 (+5.51%) Land $89,694 Building $490,737 |
| 2022 | $11,773.00 | $183,370 Land $28,310 Building $155,060 | $550,110 Land $84,930 Building $465,180 |
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