240 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 240 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,188 sqft · built 1928
Lot Size	0.15 acres (6,703 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (May 2026)
Tax Bill	$3,955 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-450-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-450-012-000`
Alternative APN	`07241940200900 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,188 sqft Building Perimeter
1st Floor Area	1,188 sqft
Basement Area	594 sqft
Unfinished Basement	594 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	6,703 sqft (0.15 acres)
Lot Dimensions	119 ft deep x 57 ft wide

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Deck Area	321 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	240 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 25A & 26B PETERSTOWN
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	ROGERS DIVISION
Legal Lot Number	25A,26B
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	1
Census Block	1036
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 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 Record
Mailing Address	4653 TIMBER VIEW DR, WATERLOO, IL 62298-4653
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Aug 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Aug 15, 2019 · Amount on Record
Deed Document Number	2026442626
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 19, 2026
Property Address	240 N MAIN ST, WATERLOO, IL 62298-1250
Document Number	0000442626
Instrument Date	May 15, 2026
Instrument	2026442626
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,481.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4653 TIMBER VIEW DR, WATERLOO, IL 62298-4653

Mortgage

Document Number	0000442627,
Date	May 19, 2026
Instrument	2026442627

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 15, 2019
Property Address	240 N MAIN ST, WATERLOO, IL 62298-1250
Document Number	0000403022
Instrument Date	Aug 14, 2019
Instrument	403022
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 N MAIN ST, WATERLOO, IL 62298-1250

Mortgage

Document Number	0000403023
Date	Aug 15, 2019
Instrument	403023

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,955.00 (+6.72%) Homeowner's exemption	$70,580 (+2.86%) Land $15,930 Building $54,650	$211,740 (+2.86%) Land $47,790 Building $163,950
2024	$3,706.00	$68,615 (+13.56%) Land $15,715 Building $52,900	$205,845 (+13.56%) Land $47,145 Building $158,700
2022	Additional exemption filed	$60,420 Land $14,880 Building $45,540	$181,260 Land $44,640 Building $136,620

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

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

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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