Monroe County property record for 239 N Main St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 896 sqft · built 1933 |
| Lot Size | 0.23 acres (9,836 sqft) |
| Owner | Individual Name on File |
| Last Sale | $232,000 (Mar 2026) |
| Tax Bill | $3,204 (2024) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-449-045-000 |
| Primary APN | 07-24-449-045-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 896 sqft Building Perimeter |
| 1st Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Construction Type | Frame |
| Lot Area | 9,836 sqft (0.23 acres) |
| Lot Dimensions | 197 ft deep x 49 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 239 N MAIN ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOTS 17B & 18B PETERSTOWN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | PETERSTOWN |
| Legal Lot Number | 17B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-449-045-000
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 | 3151 BUSHY PRAIRIE RD, FULTS, IL 62244-1049 |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 04, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Jul 22, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 18, 2026 · Amount on Record |
| Deed Sale | Mar 18, 2026 · Amount on Record |
| Prior Sale | May 04, 2021 · Amount on Record |
| Deed Document Number | 2026441678 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 18, 2026 |
| Property Address | 239 N MAIN ST, WATERLOO, IL 62298-1245 |
| Document Number | 0000441678 |
| Map Reference | MB A PG 2 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 441678 |
| Transaction Type | Transfer |
| Record Updated | Apr 01, 2026 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $348.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 239 N MAIN ST, WATERLOO, IL 62298-1245 |
| Document Number | 0000441679 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 441679 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 04, 2021 |
| Property Address | 239 N MAIN ST, WATERLOO, IL 62298-1245 |
| Document Number | 0000416867 |
| Instrument Date | May 03, 2021 |
| Instrument | 416867 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 239 N MAIN ST, WATERLOO, IL 62298-1245 |
| Document Number | 0000416868 |
|---|---|
| Date | May 04, 2021 |
| Instrument | 416868 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 239 N MAIN ST, WATERLOO, IL 62298-1245 |
| Document Number | 0000411527 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 239 N MAIN ST WATERLOO IL 622981245, WATERLOO, IL 62298-1245 |
| Document Number | 0000411527 |
|---|---|
| Date | Oct 06, 2020 |
| Instrument | 411527 |
| Name | FIRST BK |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Term | 300 Months |
| Due | Oct 05, 2045 |
| 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 | $62,120 (+3.3%) Land $16,380 Building $45,740 | $186,360 (+3.3%) Land $49,140 Building $137,220 | |
| 2024 | $3,204.00 | $60,134 (+16.47%) Land $16,063 Building $44,071 | $180,402 (+16.47%) Land $48,189 Building $132,213 |
| 2022 | Additional exemption filed | $51,630 Land $15,150 Building $36,480 | $154,890 Land $45,450 Building $109,440 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 212 locations within half a mile of this property.
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 |
| 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.
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