251 S Main St, Hecker, IL 62248 Property Records

Monroe County property record for 251 S Main St, Hecker, IL 62248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1923
Lot Size	0.47 acres (20,448 sqft)
Owner	2 Individual Names on File
Last Sale	$184,500 (Sep 2019)
Tax Bill	$3,597 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Sep 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-04-133-027-000`

Property Details

APN / Parcel Number

Primary APN	`12-04-133-027-000`
Alternative APN	`12040910200900 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,268 sqft Building Perimeter
1st Floor Area	1,268 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Foundation Type	Raised
Lot Area	20,448 sqft (0.47 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Porch	Slab
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	251 S MAIN ST
City	HECKER
State	IL
Zip	62248-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	LOTS 7 & 8 MENGS ADDN
Legal Range	08W
Legal Township	03S
Legal Section	04
Legal Subdivision	MENGS ADD
Legal Lot Number	7-8
Jurisdiction	MONROE IL
Township / Civil Division	1
Census Block Group	1
Census Block	1022
Census Tract	600502

Owner

251 S Main St is owned and occupied by two individuals who bought it in September 2019.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	251 S MAIN ST, HECKER, IL 62248-1105
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Sep 6, 2019	Warranty Deed, Transfer GUARANTEED RATE
Sep 19, 2018	Grant Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC)
Sep 17, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Mar 28, 2017	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	Sep 19, 2018 · Amount on File
Deed Document Number	2019403432
Prior Transfer Date	Sep 17, 2018
Prior Transfer Doc	0000397823
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	251 S MAIN ST, HECKER, IL 62248-1105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399628
Date	Jan 22, 2019
Instrument	399628

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 6, 2019
Property Address	251 S MAIN ST, HECKER, IL 62248-1105
Document Number	0000403432
Instrument Date	Sep 4, 2019
Instrument	403432
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1322 STONEFIELD DR WATERLOO IL 622982778, WATERLOO, IL 62298-2778

Mortgage

Document Number	403433
Date	Sep 6, 2019
Instrument	403433

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Sep 19, 2018
Property Address	251 S MAIN ST, HECKER, IL 62248-1105
Document Number	0000397891
Instrument Date	Sep 19, 2018
Instrument	397891
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transaction

Amount	Amount on Record
Tax	$44.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	425 S LIBRARY ST #2 WATERLOO IL 622986600, 2, WATERLOO, IL 62298-6600

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONROE IL
Recording Date	Sep 17, 2018
Property Address	251 S MAIN ST, HECKER, IL 62248-1105
Document Number	0000397823
Instrument Date	Sep 17, 2018
Instrument	397823
Transaction Type	Foreclosure
Record Updated	Oct 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	228 S MAIN ST WATERLOO IL 622981324, WATERLOO, IL 62298-1324

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Mar 28, 2017
Property Address	251 S MAIN ST, HECKER, IL 62248-1105
Document Number	0000388971
Instrument Date	Mar 22, 2017
Instrument	388971
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
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	251 S MAIN ST, HECKER, IL 62248-1105

Mortgage

Document Number	0000388972
Date	Mar 28, 2017
Instrument	388972

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 251 S Main St was $3,597, up 13.4% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Hecker Village
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,597.00 (+13.43%)	$58,950 Land $7,200 Building $51,750	$176,850 Land $21,600 Building $155,250
2024	$3,171.00
2022		$48,030 Land $7,200 Building $40,830	$144,090 Land $21,600 Building $122,490

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

FEMA maps place 251 S Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 251 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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	HECKER serves 429 people · EPA ID IL1330150
Water Source	Purchased surface water from FSH WATER COMMISSION
Last State Inspection	Aug 2024
Lead	2 ppb (2026) action level 15 ppb
Copper	2.8 mg/L (2023) action level 1.3 mg/L

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2024
Monitoring and Reporting	7 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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