Monroe County property record for 246 N Main St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,170 sqft · built 1982 |
| Lot Size | 0.19 acres (8,202 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Dec 2019) |
| Tax Bill | $3,707 (2024) |
| Deeds & Mortgages | Sep 2022 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-450-007-000 |
| Primary APN | 07-24-450-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,170 sqft Building Perimeter |
| 1st Floor Area | 1,170 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 8,202 sqft (0.19 acres) |
| Lot Dimensions | 101 ft deep x 80 ft wide |
| Garage Type | Built-in |
| Garage Area | 616 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 726 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 246 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 | LOT 24L PETERSTOWN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | PETERSTOWN |
| Legal Lot Number | 24L |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 31 |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-24-450-007-000
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 | 246 N MAIN ST, WATERLOO, IL 62298-1250 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Sep 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Dec 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on Record |
| Deed Sale | Dec 13, 2019 · Amount on Record |
| Deed Document Number | 2019405240 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 246 N MAIN ST, WATERLOO, IL 62298-1250 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425929 |
|---|---|
| Date | Sep 02, 2022 |
| Instrument | 425929 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 15, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 246 N MAIN ST, WATERLOO, IL 62298-1250 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000419571 |
|---|---|
| Date | Sep 09, 2021 |
| Instrument | 419571 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Dec 13, 2019 |
| Property Address | 246 N MAIN ST, WATERLOO, IL 62298-1250 |
| Document Number | 0000405240 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 405240 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 246 N MAIN ST, WATERLOO, IL 62298-1250 |
| Document Number | 0000405241 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 405241 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed 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 | $71,320 (+32.12%) Land $16,180 Building $55,140 | $213,960 (+32.12%) Land $48,540 Building $165,420 | |
| 2024 | $3,707.00 | ||
| 2022 | Additional exemption filed | $53,980 Land $15,030 Building $38,950 | $161,940 Land $45,090 Building $116,850 |
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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